Graduate Medical Education Residents & FellowsCoverage Designed with You in Mind.
As a Medical Education Resident or Fellow, You Are Covered By a Group Short Term and Long Term Disability Plan. Click here for plan details. Guaranteed Standard Issue Plan As a resident or fellow, you may obtain a monthly benefit up to $15,000 per month of individual disability coverage¹. The amount of the maximum monthly benefit will depend on your specialty. Individual disability insurance coverage with Berkshire Life Insurance Company of America, a Guardian company is on a Guaranteed Standard Issue basis:
Optional Benefits Include:
Fully Underwritten Option
Full underwriting would allow you to obtain up to $20,000 of monthly benefit and the future increase option rider. It also would potentially remove the 2 year mental nervous limitation. The 10% mental nervous discount would also be removed. |
Have a question, or want to learn more about your options?
Contact your University-Designated Representative. DULUTH
Family Medicine
MINNEAPOLIS
Programs listed by representatives below.
Departments: Dermatology; Family Medicine & Community Health; Gynecology & Women’s Health; Neurology; Obstetrics; Pediatrics; and Sports Medicine.
Methodist Family Medicine
Departments: Anesthesiology; Diagnostic Radiology; Medicine: Advanced Cardiovascular Imaging, Advanced Heart Failure & Transplant Cardiology, Advanced Interventional Cardiology & Research, Cardiovascular Disease, Clinical Cardiac Electrophysiology, Gastroenterology, Gastroenterology-Advanced ERCP/EUS, Hematology & Medical Oncology, Interventional Cardiology, Lung Transplant, Preventive Cardiovascular Medicine, Structural Heart Diseases & Advanced Interventional Cardiology, Vascular Medicine & Peripheral Vascular Catheter-Based Interventions; Neurosurgery; Orthopedic Surgery; Rehabilitation Medicine; Radiation Oncology; Surgery; Transplant Hepatology; and Urology.
TRIA Orthopedics
Departments: Diabetes & Metabolism; Endocrinology; Forensic Psychology; Head & Neck Surgery; Infectious Disease; Internal Medicine; Interventional Pulmonology, Laboratory Medicine & Pathology; Nephrology; Ophthalmology & Visual Neurosciences; Otolaryngology, Pulmonary Disease & Critical Care Medicine; Psychiatry; Renal Transplant; and Rheumatology St. Cloud Family Medicine. |
1. The maximum monthly benefit amount may not exceed Guardian's New Young Professionals Limit at that time. The remainder of the amount you're eligible for up to $15,000 can be allocated between the Base Monthly Benefit and the Future Increase Rider.
2. 30% discount consists of a 10% mental and/or substance-related disorders limitation, a 10% Student/Resident Discount (one must apply within 90 days of completing your program to receive) and a 10% Preferred Occupation Discount for selected medical specialties.
3. This benefit is not necessarily protection against increases in the cost of living.
4. The Student Loan Rider provides coverage for period of 10 or 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.
5. Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.
6. Duluth Family Medicine residents are eligible for the guaranteed standard issue individual coverage with Guardian, long term group disability coverage is not applicable with Guardian.
2. 30% discount consists of a 10% mental and/or substance-related disorders limitation, a 10% Student/Resident Discount (one must apply within 90 days of completing your program to receive) and a 10% Preferred Occupation Discount for selected medical specialties.
3. This benefit is not necessarily protection against increases in the cost of living.
4. The Student Loan Rider provides coverage for period of 10 or 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.
5. Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.
6. Duluth Family Medicine residents are eligible for the guaranteed standard issue individual coverage with Guardian, long term group disability coverage is not applicable with Guardian.