UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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The University of Minnesota
​has partnered with Foster Klima and Guardian
¹
​to provide Long-Term Disability Insurance
​to eligible AHC Students, Residents, Fellows, and Interns. 

Why do i need Disability Insurance?

More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age2.

Disability can...
​and does...
Happen.


​That's why the University of Minnesota enrolls all residents, fellows, interns, and AHC students.
As a Resident, Fellow or Intern, if you become disabled during your time at the University of Minnesota, Short-Term and Long-Term Disability Insurance Plans offer a monthly disability payment.

As an AHC Student, disability insurance helps protect you if you have an injury or medical condition that creates a long-term limitation on your ability to be a full-time student.
​
  • ​​​2,130 students, residents, and interns have taken advantage of this program.3 
  • Guardian has paid $1,687,470 in group long term and short term disability claims for the University of Minnesota residents and fellows.
  • Guardian has paid University of Minnesota residents and fellows $871,463 in individual disability benefits from personally owned policies put in place as a result of this program.
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Your Built-in
​Benefits
During your time at the University of Minnesota, you're enrolled in group disability coverage through The Guardian Life Insurance Company of America (Guardian), to help protect your future.
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​​Coverage designed
​with you in mind.
We've worked with the University of Minnesota to customize Disability Insurance Plans with monthly benefit and policy features specialized for medical professionals, with optional riders available.
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All the tools
​you need to succeed.
While you can't predict the unexpected, you can prepare. We're here to help you.
 For more info on your group coverage plan:  AHC Students , Residents, Fellow & Interns

​1.Individual disability income products underwritten and issued by Berkshire Life Insurance Company of American (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of and administrator for The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian. Product provisions and availability may vary by state. Optional riders are available for an additional premium.
2. Disabilitycanhappen.org, https://disabilitycanhappen.org/disability-statistic/, as stated by the Social Security Administration, https://www.ssa.gov/disabilityfacts/facts.html

3. Bulleted statistics provided by Guardian Internal Reporting as of 12/22.
While you can't predict the unexpected, you can prepare. We're here to help you.
Foster Klima and Guardian were chosen exclusively by the University of Minnesota to provide you with disablity insurance to protect your financial future. 
© 2021   l   Foster Klima   l   920 2nd Avenue S.   l   11th Floor   l   Minneapolis, MN 55402    l   Contact Us
Check the background of your financial professional on FINRA's BrokerCheck.
​

Foster Klima & Company, Inc is an Agency of The Guardian Life Insurance Company of America®  (Guardian), New York, NY.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC.  OSJ:   PAS is a wholly-owned subsidiary of Guardian.  Foster Klima & Company, Inc  is not an affiliate or subsidiary of PAS or Guardian. International Centre II, 920 Second Avenue South, Suite 1100, Minneapolis, MN 55402, ph# 612.746.2200.

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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Copyright 2022 Foster Klima
2022-135319 Exp 03/2024
  • Home
  • Residents, Fellows, and Interns
    • Graduate Medical Education Residents & Fellows
    • School of Dentistry Residents
    • College of Veterinary Medicine Residents & Interns
  • AHC Students
    • Medical School Students
    • School of Dentistry Students
    • College of Pharmacy Students
    • College of Veterinary Medicine Students
    • Nurse Practitioner Students
    • Certified Registered Nurse Anesthetist Students
    • School of Nursing Students
    • College of Allied Health Professions
    • School of Public Health
  • Request A Quote
  • Real Stories
  • A Detailed Look
    • Learn To Speak The Lingo
    • Student Loan Protection
    • Products & Services
    • Useful Links
    • From Learning, to Living, to Retirement
    • Tips to Start Digging Your Way Out
  • About Us
    • Your Team
    • About Foster Klima
  • Report A Claim
  • Contact Us