UNIVERSITY OF MINNESOTA DISABILITY BENEFITS
  • 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
    • 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
Request a Quote

School of Dentistry Students

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


​
Conversion Privilege Plan
As a graduating Dental Student, you have the ability to obtain up to $2,000 per month of individual disability coverage upon graduation (window of eligibility is 60 days pre graduation to July 31st).

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
  • 3% Cost of Living Adjustment (COLA)
  • 10% Mental and/or Substance-Related Disorder Limitation Discount1

​
​Fully Underwritten Plan

As a graduating School of Dentistry Student, you may obtain a significant monthly benefit, regardless of your income.
Optional policy features:
  • True Own-Occupation with Specialty Language to age 67 or 70
  • Enhanced Partial Disability Benefit & Recovery Benefit to 67 or 70
  • A 3% or 6% Cost of Living Adjustment Rider2
  • Student Loan or Supplemental Benefit Term Coverage, $2,000 per month up to 15 years3
  • Enhanced Catastrophic Disability Benefit Rider
  • Retirement Protection Plus Disability Benefit Rider​4
  • Hospice Care Benefit & Serious Illness Supplemental Benefit
  • ​20% Discount
Have a question, or want to learn more about your options?
Picture
Contact your University-Designated Representative

Dustin J. Peltier, CFP®
Financial Advisor
612.816.1901
Dustin_Peltier@fosterklima.com

Book an Appointment
Submit

1. 10% discount applies as there is a 24 month mental nervous and/or substance-related disorders limitation on the policy. 
2. This benefit is not necessarily protection against increases in the cost of living.
3. 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. 
4. Retirement Protection Plus is neither 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 disablity insurance to protect your financial future. 
© 2020   l   Foster Klima   l   920 2nd Avenue S.   l   11th Floor   l   Minneapolis, MN 55402    l   Contact Us
Check the background of your financial professional on FINRA's BrokerCheck.
​

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.

Important Disclosures
Online Privacy Statement
Website Terms of Use
​

Copyright 2020 Foster Klima
2020-105998 Exp 07/2022
  • 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
    • 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