Exclusive Guaranteed Issue Disability Insurance for Residents & Fellows at:
Institute for Family Health
- No Medical Exam Required
- Covers Pre-Existing Conditions
- Permanently Discounted Rates
Protecting Your Path to Financial Wellness
The Importance of Guaranteed Issue (GSI) Coverage
No Medical
Exam Required
Permanently Discounted Rates
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 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.
Terms of Coverage During and After Training
Guaranteed Supplemental
Coverage During and After Training
Full time benefit eligible residents and fellows, from the beginning of your training program until your final year, you may obtain up to $15,000 of specialty specific disability insurance coverage that can increase the amount of income you would receive during an accident or illness.
-
Monthly Benefit:
You can secure an initial tax-free benefit as low as $1,500 per month and defer up to $13,500 per month to protect your future earnings. -
Definition of Total Disability:
Own Occupation with Medical Specialty language for the duration of the benefit period -
Benefit Period:
Benefits provided to the age of 67 -
Permanent Premium Discount:
10%
