Student Disability Income Insurance

Are You Eligible?

If you are a Doctors Manitoba Student Member residing in Manitoba and enrolled in the faculty of medicine at the University of Manitoba, you are eligible for the Student Disability Income Insurance Plan.

The insurance is issued to you regardless of your current health status and past medical history as long as you enroll within the Annual Enrollment Period.1 Enrolling is quick and easy, no medical questions are asked when you apply.

Annual Enrollment Period: October 1st to November 30th.

As a medical student, it’s important to be covered with Student Disability Insurance. If an unforeseen accident or illness causing a disability occurred during your schooling, it could really cause financial hardship.

Help Protect Yourself. Select Your Monthly Benefit.

You may select monthly disability coverage from $1,500 up to $4,000, depending on your year of study. This is a tax-free benefit. The benefit amount you choose will continue at that level during medical school. If you elect $1,500 and want to increase the monthly benefit at a later date, while still in medical school, medical evidence of good health would be required for the increased amount.

Optional Riders at Additional Costs

The following riders are available to interested members. Evidence of good health is required to add an optional rider and an additional premium will be payable.

Cost of Living Adjustment Rider

Provides an annual increase to your disability benefit based on the change in Consumer Price Index while you are receiving disability benefit payments.

Future Insurance Option Rider

Provides the option to gradually purchase additional monthly disability insurance coverage as your income rises, without the need to submit satisfactory medical evidence of good health.

Here’s How Your Benefits are Paid

You are required to be under the care of a licensed physician while 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.

When You Graduate

Upon completion of your studies, you enrol for insurance coverage through the PARIM Doctors Manitoba Group Disability Income Insurance Plan.

Exclusions

Your benefits are not paid for disabilities occurring when or resulting from:2

  • 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