Frequently Asked Questions You’ve Got Questions and We’ve Got Answers
Have a question? Search PARA’s frequently asked questions for quick answers about your Resident Physician Agreement, member benefits, and available supports. From duty hour limits and leave entitlements to health and dental coverage, our searchable FAQ makes it easy to find the information you need, when you need it.
Our team is here to help. Reach out if you have any other questions.
The Alberta Medical Association, through its wholly-owned subsidiary, ADIUM Insurance Services Inc. (ADIUM), administers the Group Disability and Life Insurance plans for PARA members.
Enrollment forms are included in the orientation package distributed to resident physicians when they start their residency program. Resident physicians need to complete the enrollment form in order to designate their life insurance beneficiary and provide program information and completion dates to ADIUM and the insurance company.
If you have an address change or need to make a beneficiary change, contact ADIUM:
Phone: (780) 482-0692
Toll-free: 1 (800) 272-9680 ext. 692
Email: [email protected]
Website: https://www.albertadoctors.org/membership/benefits/insurance/insurance-for-resident-physicians/
Eligibility & Features
All PARA members who pay dues and are Ministry funded automatically receive long-term disability coverage while they are a resident physician, with their premiums paid by Alberta Health Services.
All PARA members who pay dues receive life insurance coverage with premiums paid by PARA. These benefits will end with the termination of your membership with PARA.
About PARA Group Disability Insurance
• Benefit is 75% of your gross monthly resident salary (taxable)
• Benefits start after 90 days of disability
• Benefit period is to age 65, or until no longer disabled
• Coverage is convertible to the AMA Disability Insurance plan completion of residency.
Please contact ADIUM Insurance Services Inc. as soon as possible after the onset of your leave to report your possible long-term disability claim. This action will ensure a timely transition from Sick/Special leave to the commencement of benefits under the PARA Disability Insurance Plan.
• Flat payout of $150,000 in the event of death.
• Benefit is payable to your designated beneficiary.
• Premiums are paid by PARA.
• Benefits payable are non-taxable.
• Coverage may be converted to the AMA Term Life Insurance Plan at the completion of residency, and is portable throughout the world.
Features of these Plans
• No evidence of insurability is required.
• Coverage commences the first day of the month after you begin your duties.
• Coverage is in force 24 hours per day.