Residents,  Fellows & Interns

Built-in Benefit
While you’re a resident, fellow or intern at the University of Minnesota, you have group long-term disability coverage through The Guardian Life Insurance Company of America (Guardian). Graduate Medical Education residents and fellows also have short-term disability coverage.

  • View Your Group Benefit Coverage

Individual Coverage: Guaranteed
​In addition, you have the opportunity to convert the group LTD coverage to an individual disability income policy through a University-sponsored plan. The offer is issued on a Guaranteed Standard Issue (GSI) basis. The GSI offer is a one-of-a-kind opportunity.

Highlights of the Opportunity Include:

• Definition of Total Disability:  Enhanced Medical True Own-Occupation Definition
• Tax-free monthly disability benefits when paid with after-tax dollars
• No medical underwriting - coverage is Guaranteed Standard Issue (if you have not been denied coverage or given a modified offer from another carrier)
• Several important optional benefits to customize your coverage
• Up to a 30% discount¹​​

You may apply for the GSI anytime during your residency, fellowship or internship and up to 90 days after completing your program.

For more details about converting your specific group's disability insurance benefits to an individual policy, please click on the pertinent link below.

• Graduate Medical Education Residents & Fellows
• School of Dentistry Residents & Fellows
• College of Veterinary Medicine Residents & Interns

Have a question, or want to to learn more about your options?

Contact your University-Designated Representative.

Or, please fill out the form below.

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1. 30% discount consists of a 10% mental and/or substance-related disorders limitation, a 10% Student/Resident Discount (one must apply within 60 days of completing your program to receive) and a 10% Preferred Occupation Discount for selected medical specialties.