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How to apply:

  1. Complete the form below including the banking information and attach a void cheque from the personal account you would like the premiums to be deducted. Do not use a line of credit account.
  2. Submit the completed Application.

Section 1: Student Information

Non-smoker rates apply to people who have not used any form of tobacco or tobacco cessation products, including e‑cigarettes in the past 12 months.

Section 2: Insurance Coverage Applied For

Student Disability Income (Available to Medical Students at the University of Manitoba Only)

Elimination Period — 90 days

Benefit Period — to age 65

Coverage amounts do not automatically increase each year. You must apply to increase coverage.

If you wish to apply for the Future Insurance Option (FIO) and/​or the Cost of Living Adjustment (COLA) Option, with proof of good health contact:

Gord Brennan 2049851140 gbrennan@​doctorsmanitoba.​ca or Mark Venton 2049855846 mventon@​doctorsmanitoba.​ca

Section 3: Pro-rated Premium Calculation

Coverage Effective December 1st

Male Non-Smoker < Age 30 Basic Coverage Premium Sales Tax Total Due
Med 1($1,500) $90.00 $6.30 $96.30
Med 2 ($1,500) $90.00 $6.30 $96.30
Med 3 ($2,500) $150.00 $10.50 $160.50
Med 4 ($4,000) $240.00 $16.80 $256.80
Male Non-Smoker Age 30 – 39 Basic Coverage Premium Sales Tax Total Due
Med 1($1,500) $112.50 $7.88 $120.38
Med 2 ($1,500) $112.50 $7.88 $120.38
Med 3 ($2,500) $187.50 $13.13 $200.63
Med 4 ($4,000) $300.00 $21.00 $321.00
Female Non-Smoker < Age 30 Basic Coverage Premium Sales Tax Total Due
Med 1($1,500) $108.75 $7.61 $116.36
Med 2 ($1,500) $108.75 $7.61 $116.36
Med 3 ($2,500) $181.25 $12.69 $193.94
Med 4 ($4,000) $290.00 $20.30 $310.30
Female Non-Smoker Age 30 – 39 Basic Coverage Premium Sales Tax Total Due
Med 1($1,500) $142.50 $9.98 $152.48
Med 2 ($1,500) $142.50 $9.98 $152.48
Med 3 ($2,500) $237.50 $16.63 $254.13
Med 4 ($4,000) $380.00 $26.60 $406.60

For Smoker rates, or for those applicants over age 39, please contact Mark Venton at 2049855846 or mventon@​doctorsmanitoba.​ca.

You will receive a renewal invoice in May for the following year.


Authorization and Consent

To review the Authorizations and declarations with respect to the Disability Insurance policies noted above, click here.