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
• Up to a 20% permanent discount1​​

Fully underwritten optional riders include:

• Student Loan Protection Rider up to $2,0002
• Retirement Protection Plus (RPP) Disability Rider3
• Enhanced Catastrophic Disability Benefit Rider
• Future Increase Option Rider4
• 3% or 6% Cost of Living Adjustment Rider5

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1. 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).
2. 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.
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?

Contact your
University-Designated
Representative

Hao Hou
Financial Representative
P: 612.746.2306
M: 952.451.2633
Hao.Hou@fosterklima.com