UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
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School of Dentistry Residents

Coverage Designed with You in Mind.

As a Dental Resident You Are Covered By a Group Long Term Disability Plan.
Click here for plan details.


Guaranteed Standard Issue Plan (GSI)
As a dental resident, you have the ability to obtain up to $3,000 per month of individual disability coverage upon graduation (window of eligibility is anytime during your residency and up to 90 days after you complete).

Individual disability insurance coverage is on a Guaranteed Standard Issue basis:​​
  • No medical underwriting required
  • True Own-Occupation coverage with specialty language to age 65
  • Enhanced Partial Disability Benefit & Recovery Benefit to age 65​
  • Student Loan or Supplemental Benefit Term Coverage, $2,000 per month up to 15 years1​
  • Hospice Care Benefit & Serious Illness Supplemental Benefit
  • Up to a 20% Permanent Discount2

​Fully Underwritten Plan

As a Completing School of Dentistry Resident, you may obtain up to a $4,000 monthly benefit, regardless of your income.   Higher amounts may be available based on income. 
  • True Own-Occupation with Specialty Language to age 67 or 70
  • Enhanced Partial Disability Benefit & Recovery Benefit to 67 or 70
  • Future Increase Option up to $12,000 per month
  • 3% or 6% Cost of Living Adjustment3​
  • Catastrophic Disability Benefit & Retirement Protection Coverage​
  • Retirement Plan Replacement Coverage4
  • ​20% Discount​​


Have a question, or want to learn more about your options?
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Contact your University-Designated
Representatives
Dustin J. Peltier, CFP®
Financial Advisor
612.816.1901
[email protected]

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Allyson Peltier
612.746.2227
[email protected]
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1. 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. ​ ​
2. 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).
3. This benefit is not necessarily protection against increases in the cost of living.
4. Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.
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 disability insurance to protect your financial future. 
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7229669.1 Exp 11/2026
  • Home
  • 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 Your Advisor