Doctors of BC members have been heavily impacted by the global pandemic caused by the COVID-19 outbreak, working on the front line to help the public while dealing with the prospect of getting sick themselves. There are several options available to physicians (and MOAs) who are seeking an income replacement benefit during a period of illness resulting from COVID-19.
Physicians enrolled in the government-funded physicians’ disability insurance (PDI) can access sickness benefits under regular disability certificate provisions, but can also access income benefits if quarantining due to an exposure, whether exposed to the virus inside or outside their occupation. There is a maximum of 14 days available under quarantine claims for PDI (nontaxable). For physicians with Disability INCOMEprotect or Professional Expense Insurance, benefits are available after completing the elimination period (continuous period of sickness required) for those with a positive or presumptive positive test for COVID-19. If these options do not apply and physicians are quarantining due to an occupational exposure, the negotiated quarantine income replacement (QIR) benefit is available. The QIR will pay for a maximum of 2 weeks in the amount of $3050 (taxable). This benefit is available multiple times if a physician faces new exposures and has to requarantine.
MOAs may have some disability insurance if enrolled in the Doctors of BC Health Benefits Trust Fund Plan, which can pay benefits after 17 weeks of continuous illness following a positive COVID-19 test. MOAs may also qualify for the Canada Recovery Sickness Benefit for periods of self-isolation or employment insurance sickness benefits for up to 15 weeks at 55% of earnings up to a maximum of $573 a week following a positive test or forced quarantine following an exposure.
Physicians are encouraged to review their coverage options every 3 to 5 years or upon a life event to ensure they are equipped with the right insurance for their needs. For more information on available benefits or to speak with a licensed insurance advisor about options, contact the Insurance Department at email@example.com or 604 638-2904.
Insurance Administration Manager, Members’ Products and Services, Doctors of BC
Above is the information needed to cite this article in your paper or presentation. The International Committee
of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally
accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.
About the ICMJE and citation styles
The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.
An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.
BCMJ standard citation style is a slight modification of the ICMJE/NLM style, as follows:
- Only the first three authors are listed, followed by "et al."
- There is no period after the journal name.
- Page numbers are not abbreviated.
For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit www.icmje.org