UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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College of Veterinary Medicine Residents & Interns

Coverage Designed with You in Mind.

As a Veterinary Resident or Intern You Are Covered By a Group Long Term Disability Plan.
Click here for plan details.​

Guaranteed Standard Issue Plan
As a resident or intern, you may obtain a monthly benefit up to $3,000 per month of individual disability coverage¹.

​
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
  • True Own Occupation Definition of Disability
  • Benefit period to age 67​
  • Enhanced Partial Disability Rider along with a Recovery Benefit to match your benefit period​
  • Student Loan Protection Rider up to $2,0001​
  • Hospice Care Benefit & Serious Illness Supplemental Benefit
  • Up to a 20% permanent discount2​​
Fully underwritten optional riders include:
  • Retirement Protection Plus (RPP) Disability Rider3
  • Enhanced Catastrophic Disability Benefit Rider
  • Future Increase Option Rider4
  • 3% or 6% Cost of Living Adjustment Rider5

1. The Rider provides coverage for a period of 10-15 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.
2. 20% permanent consists of a 10% mental and/or substance-related disorders limitation along with a 10% Student/Resident discount (one must apply within 60 days of completing your program to receive).

3. Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.
4. 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.​

5. This benefit is not necessarily protection against increases in the cost of living.
Have a question, or want to learn more about your options?
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Contact your University-Designated
Representatives
Dustin J. Peltier, CFP®
Financial Advisor
612.816.1901
Dustin_Peltier@fosterklima.com

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Allyson Peltier
612.746.2227
Allyson_Peltier@fosterklima.com
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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.

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
  • 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
    • 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