College of Allied Health Professions Students

As a Allied Health Student You Are Covered By a Group Long Term Disability Plan.   Click here for plan details.

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Conversion Privilege Plan
As a Allied Health student, you have the ability to obtain up to $1,000 per month of Guardian Group Trust coverage, upon graduation.

Individual disability insurance coverage with Guardian is on a Guaranteed Standard Issue basis:

• No medical underwriting required
• True Own-Occupation with Specialty Language
• Benefit period to Social Security Normal Retirement Age

• Partial Disability Benefit Rider

Fully Underwritten Plan
Coverage is available on a fully underwritten basis and is based on your income and any group benefits with your current employer.

Optional policy features:

• True Own-Occupation Definition of Disability
• Enhanced Partial Disability Benefit rider along with a Recovery Benefit to match your chosen benefit period (to age 65, 67, or 70) 
• A 3% or 6% Cost of Living Adjustment Rider1
• Enhanced Catastrophic Disability Benefit Rider
• Retirement Protection Plus Disability Benefit Rider2
• Future Increase Option Rider3
• Student Loan Protection Rider up to $2,0004​
• Includes 10% permanent Student Discount (available up to 180 days post graduation)

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

Contact your University-Designated Representative
​
Nick Davidson, LUTCF
Financial Advisor
P: 507.884.5844
M: 507.990.3139
Nick_Davidson@fosterklima.com
​Book an Appointment

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1. This benefit is not necessarily protection against increases in the cost of living.
2. Retirement Protection Plus is neither a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one​.
3. 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.
4. The Rider provides coverage for a period of 10 to 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15- year term that has not elapsed when the disability begins.