Ready to save on AMA Disability Insurance?

You can choose coverage ranging from $500 to a maximum of $25,000, in increments of $100. Your maximum coverage depends on your income. See Income/Benefit guide.

Proof of earned income is required at time of application.

Members in their first two years of medical practice may purchase up to $7,500/month (if you’re a family physician) or $11,000/month (if you’re a specialist), including coverage from all other sources, without providing proof of earned income.

The elimination period is the number of days you are disabled before payments begin. The longer the elimination period, the less you will pay for coverage.

The elimination period can be counted during intermittent periods of disability from the same cause within: Six months for the 30-, 60- and 90-day elimination periods; and Nine months for the 120-day elimination period.

The period for which benefits are paid. For Total or Partial Disability:

• If you are disabled prior to age 63, your benefit period expires at 65
• If you are disabled between the ages of 63 and 75, there is a 24-month maximum benefit period

Four types of disabilities are covered under the plan:

1. Total Disability benefit. You are considered totally disabled if, as a result of sickness or injury, you are under the regular care of an attending physician and are:
   • Unable to perform the essential duties of your regular occupation in which you were practicing at the time of becoming disabled; and
   • Not engaged in any other gainful occupation.
2. Residual Disability benefit. You’re eligible for this benefit when, as a result of sickness or injury, you are under the regular care of an attending physician and have a loss of at least 20 per cent of your average monthly earned income. You also must be:
   • Able to perform one or more of the duties of your regular occupation; or
   • Unable to perform the essential duties of your regular occupation for as much time as those duties usually require; or
   • Engaged in another gainful occupation. Disability Insurance.
3. Presumed Total Disability benefit. Even if you are able to work, you will be considered totally disabled and receive total disability benefits if, as a result of sickness or injury, you lose:
   • The power of speech; or
   • Sight in both eyes; or
   • Hearing in both ears; or
   • The use of both hands or both feet
4. Recurrent Total Disability benefit. If you return to work but suffer a subsequent period of total or residual disability resulting from the same cause within six months, your benefits will resume without having to satisfy another elimination period.

Waiver of Premium
If you are disabled and are receiving disability benefits, you will no longer have to pay premiums from the date of disability. Premiums will be waived until you are no longer disabled.

Survivor Benefit
If you die during a period of total or residual disability (following the elimination period), your estate will receive a onetime payment equal to three times your last month’s disability benefit.