For members enrolled in the INCOMEprotect™ program prior to July 1, 2025

This Legacy plan is available to members who first enrolled as students or residents in the INCOMEprotect™ program prior to July 1, 2025, or have the INCOMEprotect™ for Students (Legacy) (policy#59999) and are switching to the Resident (Legacy) plan without providing evidence of insurability within 90 days of completing medical school. For details on your plan, please refer to the:

Completion of residency

Next steps for fellowship

  • Continue your INCOMEprotect™ for Resident's plan while completing fellowship in Canada or the US. 
  • Increase your coverage to $7,500 without evidence of insurability within 90 days of completing residency.
  • Update details of your fellowship program with Doctors of BC so we can contact you about your insurance options when you complete your training.

Next steps for practice

You must switch your plan to INCOMEprotect™ for Practicing Physicians within 90 days from the end of your training program. You can customize your plan to suit your practice needs without evidence of insurability, including:

  • Increase coverage up to $7,500 for Family Doctors and $11,000 for specialists.
  • Elect a shorter or longer elimination period. 
  • Add riders such as Cost of Living Adjustment, Guaranteed Insurability, True Own Occupation, and Retirement Protection. 
  • Enroll in the BC Government-funded Physicians’ Disability Insurance Plan (PDI)*.

Submit the resident/fellowship completion options form within 90 days of completing your training.

Speak with a non-commissioned Doctors of BC Insurance advisor three months before you complete your training to understand your options. Book a free consultation.

Making a claim

See Make a Claim for step-by-step instructions.

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