Student Disability Insurance

Protect your future even before it begins.

While much of your focus right now is on the excitement of starting such a new and meaningful chapter in your life, unexpected illness or injury can have a sudden impact on your career trajectory. Purchasing insurance now can protect you and your loved ones later.

Our Student Disability plan offers:

Guaranteed coverage if you apply during our annual open enrollment period. From September 1 to October 31 each year.

No medial underwriting required. No pre-existing condition clauses exist to limit or exclude your disability claim.

The coverage is issued with a 90-Day elimination period (a.k.a. waiting period); the time between when you become totally disabled and when your disability payments begin.

Who is eligible?

University of Manitoba medical school students who lives in Manitoba and is a registered member of Doctors Manitoba and under age 50

Click here to register as a Medical Student with Doctors Manitoba.

How much can I apply for?

Choose, in units of $100, up to a maximum of:

$1,500 per month for 1^st and 2^nd year students,

$2,500 per month for 3^rd year students, and

$4,000 per month for 4^th year students.

The amount you choose will continue throughout medical school. For example, if you choose $1,500, this coverage will remain in force until the end of medical school, provided you pay the annual premium.

You can apply for additional Disability Insurance, up to the maximums listed above, during the annual open enrollment for Student Disability Insurance. However, if you want to apply for additional Disability Insurance outside of an open enrollment period, satisfactory medical underwriting is required.

How do I apply for coverage?

Applications for the Student Disability Insurance — Open Enrollment — are available in September and October each year. If you would like to apply an any other time throughout the year, please contact our office.

Insurance Services
(204) 985‑5888
insurance@doctorsmanitoba.ca

Add the Cost of Living Adjustment rider

This Cost of Living Adjustment (COLA) rider provides an annual increase to your claim payments based on the change in Consumer Price Index while you are receiving disability benefit payments.

You can apply to add this rider to your Student Disability Insurance but it requires medial underwriting.

Payment of Benefits

You need to be under the care of a licensed physician while totally disabled. The availability of placement in medical school, accredited institute of learning or employment is not considered in assessments of disability.

Total Disability

During the first two years of disability, you are considered totally disabled if you are unable to perform the regular and important duties of your occupation (your medical studies) due to sickness or injury and are not engaged in any gainful occupation.

Exclusions

Your benefits are not paid for disabilities occurring when or resulting from:

An act of war or insurrection
Intentional self-inflicted injury unless medical evidence establishes that the injuries are related to a mental health illness.
During any period of imprisonment, or loss of standing to practice medicine due to disciplinary proceedings.

Maximize Your Coverage

Meet with our in-house Insurance Advisor, Mark Venton. Mark will help you decide on the right amount, based on your needs. This meeting can be virtual, in-person at our (HSC) Bannatyne Office, or at our 20 Desjardins Drive office. Mark can help you look into other insurance options sponsored by Doctors Manitoba.

🕛 Click here to book your in-person or virtual insurance review with Mark Venton now.