Protecting Your Path
to Financial Wellness

Protecting Your Path to Financial Wellness

Exclusive Guaranteed Issue Disability Insurance for Residents & Fellows
  • No Medical Exam Required
  • Covers Pre-Existing Conditions
  • Permanent Discounted Rates
Are You Eligible?

The Importance of Guaranteed Issue (GSI) Coverage

No Medical
Exam Required

Coverage is offered without the need for a medical exam.
Pre-Existing Conditions May Be Covered
Pre-existing conditions may be covered under certain guaranteed issue programs, helping protect your income regardless of your medical history.

Permanently Discounted Rates

The rates offered through GSI plans will remain discounted for as long as you maintain your coverage.

Why Guaranteed Issue Coverage is So Valuable

Normally, obtaining individual disability coverage requires going through a complete medical underwriting process — allowing the insurance company to deny coverage based on any current or pre-existing medical condition.

Guaranteed issue allows doctors to secure the right to protect more of their future income, regardless of what may have happened on or off the job. It’s invaluable to any doctor with a health condition who might otherwise be prevented from protecting their income when they complete their training.

Are You Eligible?

Get Protected in 3 Simple Steps

Step 1:
Determine Eligibility
Check if your teaching hospital offers guaranteed issue coverage
Step 2:
Obtain a Personal Proposal

Request a proposal tailored to your personal needs

Step 3:
Consult with a Dedicated Representative
Our representatives can help you every step along the way
Are You Eligible?
Institution Locator - InsMed

Check Your Eligibility!

See what options are available to your institution.

It appears there's a GSI plan at your teaching hospital that's supported by one of our affiliates.

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If you want us to introduce you, please provide the following contact information:

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Group Conversion Opportunity

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While guaranteed issue coverage is not available for your specialty at this institution, your group disability policy does include a conversion privilege.

This conversion opportunity is typically available within 60 days of your graduation date. For more information, please provide your contact details below and a representative will be in touch.

Request more information:

Unfortunately, Your Specialty Is Not Eligible for GSI Coverage

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According to our best knowledge, the guaranteed issue offer at your institution does not extend to individuals pursuing your stated specialty. While this is unfortunate news, there are still opportunities to secure coverage in the marketplace to better protect your current and future earnings. Please complete the information below and we will be happy to show you the various options available to you in today’s marketplace.

Request for Personal Income Protection proposal:

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Institution Not Listed

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Thank you for your interest in determining if you are eligible for a disability insurance policy through a “guaranteed issue” underwriting offer.

Currently we are not aware of any guaranteed issue offer at your institution, but that doesn’t mean one doesn’t exist. To determine if you are eligible, please contact the benefit department at your teaching hospital or click on your current position below to see if we can support your efforts.

Please take a moment to review this article to help you understand how individual disability contracts can fill in the gaps of the disability coverage provided to residents and fellows by most teaching hospitals here.

We're here to help you protect your financial well-being and the lifestyle you're working so hard to achieve.

Frequently Asked Questions

It’s an opportunity to obtain an individual disability insurance policy without going through the normal medical underwriting requirements required by most insurance companies.
Yes. If you’re at a teaching hospital where there is a guaranteed issue offer in place and you apply for coverage with another carrier, go through medical underwriting, and are denied, you potentially could forfeit your right to ever obtaining that guaranteed issue program.
These policies are available to you in addition to any benefits provided by your employer. The monthly benefit can increase the percentage of your income that’s protected, and your employer benefits will not be offset by any individual coverage you obtain.
Yes. The rates and provisions of this coverage are yours for the rest of your career, regardless of where you may be training or employed.
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