Residents, Fellows & Interns
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:
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.
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.