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

​Learn more:

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

Contact your
University-Designated
Representative
​
Dustin J. Peltier, CFP®
Financial Advisor
612.816.1901
Dustin_Peltier@fosterklima.com
Book an Appointment

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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.