The insurance company cannot cancel your insurance coverage provided the master policy remains in force and premiums are paid when due. If the master policy is terminated by Doctors Manitoba or the insurance company, and coverage is not continued under a new or replacing contract, you can convert the monthly income benefit to an individual guaranteed renewable policy, regardless of your health.
If a claim is denied in whole or in part, Doctors Manitoba is available to help you with any further discussions with the insurance carrier regarding the validity of the claim. Confidentiality is guaranteed.
Waiver of Premium
You are not required to pay premiums which become due while you are receiving benefits from the plan, provided you have been continuously disabled for at least 90 days.
Because recovery is the goal, this plan includes a provision for rehabilitative employment. With the approval of the insurance company, you may participate in a vocational or on-the-job training program while continuing to receive benefits.
Premiums paid by you for the disability income insurance program are not tax deductible. Any benefits you receive from this plan are not taxable as income to you.
If premiums are paid by a group and deducted as a business expense, then any benefit received from this plan will be taxable as income to the individual.
Termination of Coverage
Your coverage ends on the earliest of the date:
- you retire from practice
- you reach age 70
- you fail to pay the required premium
- your affiliation with Doctors Manitoba ends
- you die
- the policy terminates
Note: If you are receiving disability benefits when your coverage would otherwise terminate, your benefits may continue. See the Payment of Benefits section for more details.
For Residents in the PARIM plan, if you withdraw from or are terminated from your program, coverage ends on the date of termination from your program.
Age means the age as of June 1st of each year (the policy anniversary date).
Total Disability means that you are unable to perform the important duties of your regular occupation, and are not engaged in any gainful occupation.
Partial Disability means that you are unable to perform the duties of your regular occupation but are:
- able to perform one or more of the duties of your regular occupation and are earning a reduced income or
- engaged in another occupation and are earning a reduced income.
Partial disability benefits are payable when your income is reduced by at least 20%.
To receive disability benefit payments you must be under the care of a licensed physician.
If you add the Own Occupation Option, Total Disability means you are unable to perform the important duties of your regular occupation, even if you are earning income in a different occupation. An example is a surgeon who can no longer operate but takes an administrative or teaching position.