The ability to practise is the asset.

Short notes on disability coverage and income protection in Canadian medicine. Choose your stage to see what may apply.

Building the career

In medical training

Medical students, residents and fellows: see what may be different while you are still in training.

First year of practice

Student-program rules change October 1, 2026. 25% becomes 10%. Age moves to 26. Critical illness leaves the student offers.

Protecting the plan

After the first year: pressure-test the protection behind your income, household and long-term plans.

Have a question?
Send it through here, or start a guided review when you are ready.

The MED Brief is general educational information. Personal insurance advice is provided separately by David Empey where he is appropriately licensed.