Broker Check

Medical Residents & Fellows

Coverage Designed with You in Mind

As a Medical Resident or Fellow, you may obtain a monthly benefit up to $10,000 per month of individual disability coverage1. The amount of the maximum monthly benefit will depend on your specialty.

Individual disability insurance coverage with Berkshire Life Insurance Company of America, a Guardian company is on a Guaranteed Standard Issue basis:

  • No medical underwriting required
  • Definition of Total Disability: Enhanced Medical True Own-Occupation Definition
  • Benefit period to age 65 or 67
  • Up to a 30% permanent discount2

Optional riders include:

  • Enhanced Partial Disability Rider along with a Recovery Benefit to match your benefit period (to age 65 or 67)
  • A 3% or 6% Cost of Living Adjustment Rider3
  • Retirement Protection Plus (RPP) Disability Benefit Rider4
  • Enhanced Catastrophic Disability Benefit Rider
  • Future Increase Option Rider5
  • Student Loan Protection Rider6


Contact your University Endorsed Agent:

Heather Bantle

(Departments: Dermatology & Medical Dermatology, Family Medicine, Neurology, OBGYN, & Sports Medicine)

612-746-2339
heather_bantle@fosterklima.com

Joe Barwick

(Departments: Anesthesiology, Cardiology, Colorectal, Gastro, Hem/Onc, Neurosurgery, Orthopedics, Plastics, PM&R, Radiology, Surgery, Thoracic, Urology, & Vascular)

612-746-2264

joe_barwick@fosterklima.com

Ernest Draper

(Departments: Endo/ID, Internal Medicine, Nephrology, Pediatric, Pulm C.C., Renal, & Rheumatology)

612-746-2272

ernest_draper@fosterklima.com

Dustin Peltier

(Departments: ENT, Ophthalmology, Pathology, & Psychiatry)

612-816-1901

dustin_peltier@fosterklima.com


1 The maximum monthly benefit amount may not exceed Guardian's New Young Professionals Limit at that time.  The remainder of the amount you're eligible for up to $10,000 can be allocated between the Base Monthly Benefit and the Future Increase Rider.

2  30% discount consists of a 10% mental and/or substance-related disorders limitation, a 10% Student/Resident Discount (one must apply within 90 days of completing your program to receive) and a Preferred Occupation Discount.  

3 This benefit is not necessarily protection against increases in the cost of living.

4 Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.

5 Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are: financial information as well as all disability insurance in force, for which you’ve applied, or are eligible to receive.

6  Eligibility may vary by product, state and/or occupation.