As a member of Resident Doctors of Saskatchewan, you have the option to enroll in disability insurance provided through collaboration with the Saskatchewan Medical Association, with premiums paid as part of the collective agreement with your employer. You have the option to continue coverage when you complete residency by assuming the premiums. 

This coverage is optional - you are not covered until you opt in by completing the required forms below.

Information about your optional disability insurance

Apply for optional disability insurance

SMA Disability Insurance Brochure

Relevant Articles from the Collective Bargaining Agreement

Article 15.0 - Insurance

Article 15.3.1

Residents who enroll in the PAIRS(RDoS)/SMA Group Disability Plan shall receive disability income protection in accordance with the terms of that Plan.

Article 15.3.2

Basic Disability Insurance will be available to all Residents who qualify and to whom regular remuneration is paid by the Employer. The Employer shall pay the premium cost of each Resident enrolled in the Plan.

Article 15.3.3

The total premium cost to the Employer shall not exceed an amount equal to 1.5% of the collective remuneration of all Residents enrolled in the PAIRS(RDoS)/SMA Group Disability Plan during the time they are covered by said Plan during the life of this Collective Agreement. Calculation of such collective remuneration shall only include the scales provided in Article 8.1. In the event the actual premium is less than 1.5%, the resulting surplus will accumulate and be used to absorb future actual premium costs that may exceed the 1.5%.The Employer specifically disclaims any responsibility to pay any premium shortfall which may ensue. In the event that the future cost of Disability Insurance premiums exceeds the 1.5% cap, the Employer will provide notice to the union and its members that the shortfall will be borne immediately by employees eligible to participate in the PAIRS(RDoS)/SMA Group Disability Plan until the terms of said Plan may be adjusted.

Article 15.3.4

Payment of premiums by the Employer will be made only in relation to Residents to whom regular remuneration is paid by the Employer.