Academic Health Center Students

Built-in Benefit
While you’re an Academic Health Center student at the University of Minnesota, you have group long-term disability coverage through The Guardian Life Insurance Company of America (Guardian).
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 • View Your Group Benefit Coverage

Individual Coverage: Guaranteed
​In addition, you have the opportunity to convert the group LTD coverage to an individual disability income policy through a University-sponsored plan. The offer is issued on a Guaranteed Standard Issue (GSI) basis. The GSI offer is a one-of-a-kind opportunity.

Highlights of the Opportunity Include:

• Definition of Total Disability:  Enhanced Medical True Own-Occupation Definition
• Tax-free monthly disability benefits when paid with after-tax dollars
• No medical underwriting - coverage is Guaranteed Standard Issue
• Several important optional benefits to customize your coverage
• Includes a 20% discount¹ 

For more details about converting your specific group's disability insurance benefits to an individual policy, please click on the pertinent link below.

• Medical School Student
• School of Dentistry Student
• College of Pharmacy Student
• College of Veterinary Medicine Student

• Nursing Practitioner Student
• Certified Registered Nurse Anesthetist
• Nursing Student
• College of Allied Health Professions
• School of Public Health

Have a question, or want to learn more about your options?

Contact your University-Designated Representative.

Or, please fill out the form below.

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You may apply for the GSI Conversion 60 days prior to graduation.
1. 20% discount contains a 10% mental nervous and/or substance-related disorders limitation (on all conversion policies) and a 10% Student/Resident Discount (one must apply within 90 days of completing your program to receive)