UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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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
Have a question, or want to learn more about your options?
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Contact your University-Designated Representative
​
Carmen Campana
Financial Representative
P: 612.746.2266
M: 949.742.0532
Carmen.Campana@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.
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. 
© 2020   l   Foster Klima   l   920 2nd Avenue S.   l   11th Floor   l   Minneapolis, MN 55402    l   Contact Us
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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.

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Copyright 2020 Foster Klima
2020-105998 Exp 07/2022
  • Home
  • NY Residents
  • 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
    • 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