How to Apply and Claim

How to Apply

To apply for coverage, complete the appropriate application form available in the Forms Library.

You must provide evidence of good health (except for exercised Future Insurance options, if you qualify) according to the following medical requirements.

Coverage takes effect once your application is approved by the insurance company.

Completed application forms and the appropriate premium cheque made out to Doctors Manitoba should be forwarded to the Doctors Manitoba office. Payments can also be made by pre-authorized deduction from your bank account.

If you apply part way through the policy year June 1 – May 31, premiums are pro-rated based on the number of full months remaining.

Medical Requirements

Medical requirements vary based on your age and the level of coverage you request.

Doctors Manitoba will advise you of the medical requirements upon receipt of your application. The cost of any medical and blood chemistry profiles is borne by the insurance company.

To determine the medical requirements, add your existing and new coverage amounts and 50% of the remaining Disability Future Insurance Option limit. The total of these coverage amounts is used to determine your medical requirements, as shown in the following chart:

Age Coverage Medical Requirements
up to age 45 up to $2,500
$2,501 – $5,000
$5,001 – $6,000
$6,000 – $10,000
$10,001 and up
Non-medical
Non-medical, Urine HIV
Non-medical, Blood Profile incl. Hepatitis B&C, Urinalysis
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis,
Inspection
46 to 50 up to $2,500
$2,501 – $3,999
$4,000 – $5,000
$5,001 – $10,000
$10,001 and up
Non-medical
Non-medical, Urine HIV
Paramedical, Blood Profile, Urinalysis
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis,
ECG, Inspection
51 and older up to $2,500
$2,501 to $5,000
$5,001 to $10,000$10,001 and up
Non-medical
Paramedical, Blood Profile, Urinalysis
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis
ECG
Paramedical, Blood Profile incl. Hepatitis B&C, Urinalysis,
ECG, Inspection

How to Make a Claim

In the event of disability, contact Doctors Manitoba to make a claim.

This description is a summary of the disability income insurance program underwritten by Manulife Financial, policy number G521.  In case of any discrepancy between this description and the terms of the policy, the latter will prevail.