Residents | Disability Options
During or upon completion of residency you have the option to purchase an individually owned private plan subject to medical underwriting. You also have access to disability coverage through your provincial medical association. Upon completion of residency and member of OMA you have access to the “Essentials” offer.
The Essentials offer provides disability protection without evidence of health and it covers all medical conditions from day one. While offering protection from day one is an advantage for those with pre-existing conditions, it can also have a devastating impact on the long term stability of the plan. You are also offered a premium discount but it's for a limited time and premiums will increase substantially over time.
We can review with you any health concerns you have to appropriately determine the plans that will best meet your needs.