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 67
  • Up to a 30% permanent discount2

Optional riders include:

  • Partial Disability Rider along with a Recovery Benefit to match your benefit period (to age 65, 67, 70 or for your Lifetime)
  • Cost of Living Adjustment Rider
  • Retirement Protection Plus (RPP) Disability Rider
  • Enhanced Catastrophic Disability Benefit Rider
  • Future Increase Option Rider
  • Guardian's exclusive Student Loan Protection Rider3


More choices to meet your needs:

  • Up to $1,000,000 of life insurance with simplified underwriting


Contact your University Endorsed Agent:

Heather Bantle

612-746-2339
heather_bantle@fosterklima.com

Joe Barwick

612-746-2264
joe_barwick@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 Student Loan Rider 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 60 days of completing your program to receive) and a Preferred Occupation Discount.  

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