UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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Real Stories

Feranmi Okanlami's Story.
Feranmi was in his 3rd year of Residency at Yale for Orthopedic Surgery.

When the accident happened, he broke his neck and became paralyzed from the chest down. Disability insurance helped turn a tragic event into a positive outcome.

Kristen's Story.
Kristen was a successful dentist when she developed a rare condition.*
In her mid-thirties, Kristen felt like she was on top of her game. She was in great health, and had an active social life. She enjoyed running and spending time with her family and friends. However, she did feel one thing was missing from her life, and that was children. Kristen decided it was time to start a family, and soon began undergoing IVF treatments to improve her chances of pregnancy.

As a result of the IVF treatments, Kristen developed a rare condition called Ovarian Hyperstimulation Syndrome (OHSS). In Kristen's case, OHSS led to a blood clot that paralyzed her left side. Kristen was confined to a wheelchair for months. She was unable to work and couldn't drive. After months in rehabilitation, Kristen has regained limited use of her left side, including her hand. She is hoping to eventually return to her career.
​
Kristen's ongoing rehabilitation led to increased medical bills and financial stress. She is thankful that she has friends and family that have helped her cope. "I was in perfect health and had my life planned out one day, and the next I was partially paralyzed and my life turned upside down," she says. "It just goes to show that disability can happen to anyone, at any time. From experience, I know that everyone needs to take the time to prepare for the financial impacts that come when the unexpected happens."
Picture
To protect the Kristen's privacy, only her first name is used and the photo is not of the actual individual profiled.

*  https://disabilitycanhappen.org/life-stories/

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.

"I thought it could never happen to me"

If you become disabled, will you be ready? Or will you and your loved ones face serious financial hardships?

​If you're like most Americans, you don't have long term disability insurance, or enough emergency savings to last 34.6 months.  That's the durantion of the average long-term disability claim.1

Plan ahead.
​
Protect yourself in the event of an injury or illness.


While you can't predict the unexpected, you can prepare.

​We're here to help you
.

Start planning today so you'll be ready tomorrow.


Does preparing for disability seem overwhelming?  It's not.  We've created simple steps to give you a clearer understanding.

Have Question
​or Concerns?
Submit

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. 
© 2021   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.

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