Radiology Residents & Fellows

Radiology Residents & Fellows


Since 1999, we have been working with the Ontario Association of Radiologists (OAR) and setup a disability insurance program with the specific needs of Ontario Radiologists where over 780 Radiologists have participated and over $5M in claims have been paid out. As a resident/fellow you can now participate in the OAR insurance program. The highlights are below:


  • Enroll for up to $4,500 per month of disability insurance (residents) or $8,500 per month (fellows)
  • No medical underwriting
  • 25% discount
  • Options include:
    • Own occupation definition of disability
    • Cost of living adjustment
    • Future income option up to $25,000/month
    • HIV HEP B&C
    • Conversion to long term care coverage
    • $100,000 critical illness insurance as secondary protection
    • One page enrollment form
    • Additional step rate 15% discount available
  • Free disability coverage:
    • Residents – up to 8 months free coverage.
    • Fellows – up to 8 months free coverage on the first $4500/month coverage.
    • Medical Grads entering Radiology – up to 15 months free coverage (via MSO)
    • This is available through the OAR insurance program until May 2024


What if you already have RBC, OMA or other disability coverage, can you still enroll?

Can any insurance broker enroll me in the OAR Insurance program?
. The OAR insurance plan with the 8 months free coverage is only available through Levine Financial Group.

Will I get a lower rate for the same product from another advisor?
NO. With RBC we negotiated a large case discount of 25% (plus an additional 15% step rate if you are under 35). This is the largest discount in the marketplace. If you are seeing a lower rate, perhaps another advisor is showing you a policy with different definitions and benefits.

Why apply through the OAR Insurance program?
Prior to the OAR insurance program there was no discount on insurance for Radiologists, no non-medical offerings and no special offer for residents or fellows.

As of 2023, there are over 790 Ontario Radiologists enrolled in the OAR insurance program and we have adjudicated over $4,500,000 in disability and critical illness claims.

The OAR insurance program has influence. 

In 2017, there were 5 premature death claims. One claim involved a young Radiologist who cancelled his policy and died two weeks later. The claim was brought to the attention of the insurer by our office, and while not obligated to pay, the insurer paid the claim because the client had an OAR insurance policy. 

Radiology residents and fellows – APPLY online

If you have questions call us at 416-222-1311 or email