Essentials Enrolment Form

Essentials Enrolment Form
Policy numbers
17849
20647
G-29500
No Medical Evidence Required
Clear
Group Disability and/or Group Professional Overhead Expense and/or Group Life Insurance for
a medical resident/fellow who has successfully completed residency training and was covered
under Group Long-Term Disability in any Canadian or United States resident association.
Must be received by OMA Insurance within 120 days of successful completion of your residency program.
Please PRINT clearly.
In this application you and your refer to the person applying for insurance. We and the Company refer to
Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies.
|
1 Member information
Ref. # (if known)
Last name
First name
Middle initial
m Male
m Female
Former/Maiden name (if applicable)
Send correspondence to:
Residence address (street number and name)
 Residence address
 Business address
City
Date of birth (dd-mm-yyyy)
–
–
Apartment or suite
Province
Postal code
Telephone (residence)
–
Business address (street number and name)
City
–
Apartment or suite
Province
Postal code
Telephone (business)
–
–
Email address
Have you used tobacco, tobacco cessation products, nicotine in any form or nicotine replacement products in the last 24 months?
m Yes m No
In which medical association/society are you a member for insurance eligibility?
 OMA  DNS  NBMS  NLMA  MSPEI
(If you are not a member, please contact your medical association/society to arrange for membership.)
If you plan to move within the next 6 months, please indicate your new address/phone information:
Residence address (street number and name)
City
Province
Apartment or suite
Postal code
Telephone (residence)
–
–
Effective date of change (dd-mm-yyyy)
–
Business address (street number and name)
City
Province
–
Apartment or suite
Postal code
Telephone (business)
–
–
Effective date of change (dd-mm-yyyy)
–
–
DC-122
Page 1 of 6
DDF-0044-AA-OMA-E-08-16
Source code
|
2 Recently completed residency information
If you are still covered by
your association for your
second fellowship/residency,
any Disability coverage
approved under the
Essentials offer will be offset
by any Disability coverage
you will have under your
association.
a) Where did you complete or where are you completing your current residency/fellowship program?
(province/state)
Date (dd-mm-yyyy)
–
b)Date your current program was/will be completed
–
c) Were you (or are you currently) insured under a Group Long-Term Disability plan in
any Canadian or United States resident association plan during your most current or
recently completed program?........................................................................................................  Yes
 No
If no, please explain
d)Following the completion of your current resident program, will you be pursuing a
Fellowship Program? .....................................................................................................................  Yes
 No
Date (dd-mm-yyyy)
If yes, what is the start date?
–
–
|
3 Coverage applied for
Essentials coverage available without medical evidence.
1. a) Group Disability Insurance – 90-day Elimination Period .................  Yes
Maximum up to $5,000 monthly benefit (from all sources).
*Step Rate Premium
automatically increases at
ages 35, 45, and 55, starting
the September following
attainment of age. These
increases are designed to keep
costs lower during the early
years when risk of becoming
disabled is lower.
Level Premium Rates have
been designed to remain
level over time as you age
and cannot be adjusted on
an individual basis due to
changes in your age or health.
Level Premium Rates may
change from time to time on a
group basis depending on the
insurance costs of the group.
** The total amount of nonunderwritten OMA Life
coverage under Policy G-29500,
including OMA Student Life
coverage in force cannot exceed
$100,000. The amount of OMA
Life insurance issued will be
reduced by any other OMA Life
coverage obtained without
medical underwriting.
You may not be eligible for
this offer if you are already
insured as a spouse under
this policy or under Policy
G-29500 or G-29700 issued
by New York Life.
Page 2 of 6
DDF-0044-AA-OMA-E-08-16
$
b)Indicate the type of premium rate desired* ..................................................................  Step  Level
Note: If you do NOT check a box, we will consider the premium rate as Step.
c) Own Occupation Rider . ..........................................................................................................................  Yes
d)Cost of Living Adjustment Rider . ..........................................................................................................  Yes
e) Disability Guaranteed Insurability Benefit Rider (GIB)(must be under age 50) ...........................  Yes
f) Retirement Protection Rider
Maximum up to $1,000 ................................................................................  Yes
$
2. a) Group Professional Overhead Expense (POE) –
30 day Elimination Period . .............................................................................  Yes
Maximum up to $5,000 monthly benefit.
$
b)Professional Overhead Expense (POE) Guaranteed Insurability Benefit Rider ............................  Yes
3. a) Group Term Life Insurance for $100,000** ................................................................................  Yes
Note: This offer does not include the optional waiver of premium benefit.
If yes to 3 a), please complete 3 b) and 3 c).
b)Beneficiary Designation – I hereby make the following beneficiary designation for my life insurance:
(complete only if applying for Group Term Life Insurance under the Essentials plan)
Last name
First name
Middle initial
Relationship
Date of birth (dd-mm-yyyy) (if under age 18)
–
–
Please contact OMA for beneficiary changes on any existing Group Term Life insurance.
c) Is your spouse also a physician?  Yes  No
If yes, please provide the name of your spouse.
Spouse’s last name
First name
 I do not have a spouse
Middle initial
|
4 Disability Guaranteed Insurability Benefit Rider Option for practising physicians and fellows
Complete only if you would
like to exercise an option to
increase your disability
coverage.
1) Do you wish to exercise the Guaranteed Insurability Benefit option of
up to $7000/month as a General Practitioner or $10,000/month
as a Specialist? .....................................................................................................  Yes
If yes, complete questions 2 to 6.
$
2) Have you obtained certification from either the College of Family Physicians of
Canada (CFPC/CCFP) or the Royal College of Physicians and Surgeons (RCPSC)? . .........  Yes
 CFPC/ CCFP
 No
 RCPSC
If yes, please indicate which one:
If no, please indicate below which certification you expect to receive and the date you expect to receive it:
 CFPC/ CCFP
 RCPSC
Date (dd-mm-yyyy)
–
–
3) Type of residency program (specialty)
most recently completed
Date (dd-mm-yyyy)
–
4) Date you began/will begin practice of medicine or fellowship program
–
5) Will you work at least 25 hours per week and 46 weeks per year in your medical
practice or fellowship, within 120 days of completing your residency? . ...............................  Yes
 No
If no, please explain below. If you are on maternity or parental leave, please provide the date you will be
actively at work full-time.
6) Are you now disabled and/or on claim and/or satisfying an elimination period? ...............  Yes
 No
|
5 For Members currently insured under Group Disability policy 59997
Any group disability coverage
under policy 59997 not
being terminated or reduced
will be increased with
coverage under Essentials
under policy 17849.
Complete if you would like to terminate or change existing coverage:
I would like to:
 terminate all coverage under my existing policy 59997 on approval of this application
 change my existing inforce OMA disability 60 day Elimination Period to 90 days
 replace GIB Rider under policy 59997 with policy 17849
|
6 Insurance information
1. a) Other than any Group Insurance, do you currently have disability income insurance
or have you concurrently applied for any disability income insurance? ............................  Yes
Amount of monthly
benefit
Insuring company
Indicate Individual or
Group/Association
Date of issue (mm-yyyy)
Benefit period
(e.g. 5 yrs., to age 65, etc)
Taxable
benefits
$
–
m Yes
m No
$
–
m Yes
m No
b)If yes to a), will any disability income insurance be discontinued if this application
is approved? ................................................................................................................................  Yes
If yes, please provide details below.
Company
Amount
$
Page 3 of 6
DDF-0044-AA-OMA-E-08-16
 No
If yes, please provide amount and details below.
Policy number
 No
|
7 Request for pre-authorized debit (PAD) option
There are no additional charges for paying on a monthly basis – the annual premium is simply divided by 12 months.
Payment options
 Annually, 1st of September
 Monthly, 1st day of the month
Your Transit #
Institution #
PLEASE ENTER YOUR
BANKING INFORMATION
IN THE SPACES PROVIDED.
Account #
Authorization
To use Pre-Authorized Debit (PAD) you must agree to all the terms of the authorization. By signing below as payor you agree
to the following terms and conditions:
Terms and conditions
You authorize the OMA Insurance/Group Plan Administrator to collect the annual or monthly premium (including
applicable provincial tax), depending on your selection above, for this insurance through a Pre-Authorized Debit (PAD)
from the account referenced on your enclosed blank cheque marked void. You acknowledge that your financial institution
may treat any withdrawal pursuant to this authorization as a withdrawal for personal services. You acknowledge that the
amount of the premium (including applicable provincial tax) collected through this agreement may vary, reflecting any
changes, additions or deletions in plan coverage as well as premium rate changes. You agree to waive the requirement that
the OMA Insurance / Group Plan Administrator notify you of any payments after the first payment whether the amount
of the monthly or annual premium is changed or not. You understand that if you selected to pay your premium annually,
payment will be due on September 1st each year. If you selected to pay your premium monthly, it will be due on the first day
of each month. This agreement will be cancelled automatically if the OMA Insurance/Group Plan Administrator is unable to
make a withdrawal from your account.
This authorization is to remain in effect until the OMA Insurance/Group Plan Administrator has received written notification
from you of its change or termination. This notification must be received at least ten (10) business days before the next debit
is scheduled at the address provided below. You may obtain a sample PAD cancellation form, or more information on your
right to cancel a PAD Agreement at your financial institution or by visiting www.cdnpay.ca.
The OMA Insurance/Group Plan Administrator may not assign this authorization to another company or person to permit
them to debit your account for these payments (for example where there has been a change in control of the company)
without providing at least 10 days prior written notice to you.
You have certain recourse rights if any debit does not comply with this agreement. For example, you have the right to
receive reimbursement for any debit that is not authorized or is not consistent with this PAD Agreement. To obtain more
information on your recourse rights, contact your financial institution or visit www.cdnpay.ca.
For further information about this authorization, please feel free to contact the OMA Insurance/Group Plan Administrator at:
OMA Insurance
P.O. Box 365 Stn Waterloo
Waterloo, ON N2J 4A4
Telephone # 1-800-758-1641
email: [email protected]
Account holder(s) – Please complete and sign
Print account holder last name
Print account holder first name
Signature of account holder (if business, authorized person to sign and indicate title)
Date signed (dd-mm-yyyy)
X
Print joint account holder last name
Signature of joint account holder (if both signatures required)
X
Page 4 of 6
DDF-0044-AA-OMA-E-08-16
–
–
Print joint account holder first name
Date signed (dd-mm-yyyy)
–
–
|
8 Declaration and authorization
I declare that the answers in this Enrolment form are true and complete and I understand that
concealment, misrepresentation or false declaration concerning this Enrolment form will cause this
insurance to be void. I understand and agree that this Enrolment form is void unless: (a) I am a
member of the Ontario Medical Association, Doctors Nova Scotia, New Brunswick Medical Society,
Medical Society of Prince Edward Island, or Newfoundland and Labrador Medical Association, (b)
reside in Canada, (c) the Enrolment form was signed in a province or territory other than Quebec
and (d) the certificate and all other communications are delivered in a province or territory other
than Quebec.
I understand that no coverage becomes effective unless this Enrolment form is received by OMA
Insurance within 120 days of the successful completion of my residency program (a) in Ontario
as a member of PARO and PARO’s group long term disability insurance plan, (b) under the
Dalhousie University Program as a member of Maritime Resident Doctors and Maritime Resident
Doctors’s group long term disability insurance plan, (c) at Memorial University of Newfoundland
as a member of PAIRN and PAIRN’s group long term disability insurance plan or (d) any other
resident association or group and their Long Term disability insurance plan. I understand that I
am applying for Disability Insurance under Policy 17849 and/or Professional Overhead Expense
insurance under Policy 20647 issued by Sun Life Assurance Company of Canada and/or Life
insurance under Policy G-29500 issued by New York Life Insurance Company. Regarding the
life insurance policy, for the purposes of the Insurance Companies Act (Canada), this document
was issued in the course of New York Life Insurance Company’s insurance business in Canada.
Ontario Medical Association is the group policyholder under all policies. The effective date of my
coverage will be the later of the following:
(a) The day following the date my residency program terminates, if my completed Enrolment form
is received within 120 days prior to the date I successfully complete my residency program, or
(b) The date my Enrolment form is received, if my completed Enrolment form is received within
120 days after the date I successfully complete my residency program, or
(c) Date member obtained membership after completion of residency and after the date the
application was received in our office.
If exercising my Disability Guaranteed Insurability Benefit option, I understand and agree that the
option amount, if issued, will become effective on the later of the date I commence my fellowship/
medical practice, or the date certification was obtained if obtained after commencing practice,
or on the date this Enrolment form is received provided the form is received within 120 days of
completion of a residency program and I have commenced my fellowship/medical practice.
I understand the insurance will become effective as described above if the required premium has
been received by OMA Insurance within 45 days of the date I am billed.
With respect to this Enrolment form, I authorize Sun Life Assurance Company of Canada and
New York Life Insurance Company and their agents and service providers to collect, use and
disclose relevant information about me for the purposes of underwriting, administration and
adjudicating claims with any person or organization who has relevant information about me
including institutions, investigative agencies, insurers and reinsurers and to collect, use and
disclose information with OMA Insurance for the purpose of administration.
I understand that any monthly Disability Income benefit provided under the OMA Policy will be
reduced by the monthly amount of any disability income benefit that I receive or am entitled to
receive under any Canadian or United States Resident Association insurance policy. No benefits
will be payable for any disability that began prior to the effective date of my coverage. The
amount of OMA Life insurance will be reduced by any other OMA Life coverage that was either
obtained without medical underwriting or previously converted to an individual policy.
A photocopy or electronic version of this authorization is as valid as the original.
Return completed and signed
application to:
OMA Insurance
PO Box 365 STN Waterloo
Waterloo, ON N2J 4A4
Fax: 1-800-367-0813
Page 5 of 6
DDF-0044-AA-OMA-E-08-16
Please complete and sign your authorization.
Signed at (city)
Signature of applicant
X
Signed at (province)
Date (dd-mm-yyyy)
–
–
|
9 Respecting your privacy
Respecting your privacy is a priority for the Sun Life Financial group of companies. We keep in confidence
personal information about you and the products and services you have with us to provide you with
insurance products and services to help you meet your lifetime financial objectives. To meet these
objectives, we collect, use and disclose your personal information for purposes that include: underwriting;
administration; claims adjudication; protecting against fraud, errors or misrepresentations; meeting legal,
regulatory or contractual requirements. The only people who have access to your personal information are
our employees, distribution partners such as advisors, and third-party service providers, along with our
reinsurers. We will also provide access to anyone else you authorize. Sometimes, these people may be in
countries outside Canada, so your personal information may be subject to the laws of those countries. You
can ask for the information in our files about you and, if necessary, ask us in writing to correct it. To find out
more about our privacy practices, visit www.sunlife.ca/privacy.
Page 6 of 6
DDF-0044-AA-OMA-E-08-16