Guaranteed Standard Issue (GSI) Offers
Protect your Career Earnings & Family with a Disability Policy
We are pleased to announce the Guardian (GSI) Guaranteed Standard Issue offer to interns, residents and fellows training at the following hospitals:
We also have access to over 150 additional GSI offers at training hospitals throughout the country.
Please reach out to us if you do not see your hospital listed.
Benefits of Guardian's GSI Offer:
| Features and Riders | |
| Definition of Disability | Enhanced True Own-Occupation to age 65 or 67, including medical specialty language |
| Elimination Period | 90 days |
| Benefit Period | To age 65 or 67 |
| Monthly Benefit | Up to $15,000 monthly benefit with financial underwriting, or up to $8,000 monthly benefit maximums based on New Professional limits |
| Future Increase Option Rider | Allows you to increase your coverage in the future. Your base monthly benefit plus FIO rider amount can be up to $15,000 |
| Recovery Benefit Option | Up to the full benefit period, up to age 65 or 67 |
| Enhanced Partial Benefit Rider | Yes, with a 15% loss of income trigger, or time or duties. Includes a unique loss of income feature for the first 12 months after satisfying the waiting period, with the Residual Disability Benefit |
| Waiver of Premium Benefit | Yes, if disabled |
| Waiver of Elimination Period | 5 years after recovery |
| Premium Structure | Graded or level premium options available |
| Mental / Nervous / Substance Abuse | 24-month limitation (includes a 10% discount) |
This summary represents a brief explanation of the resident and fellow individual disability GSI offer only. It should not be used to determine whether your disability claim will be paid. The written contract governs the benefits available. Optional riders are available for an additional premium.
Any resident or fellow previously turned down or provided with a modified offer by other disability insurance carriers (not including Guardian) is not eligible for this offer. Therefore, you are encouraged to look into this program first.
Higher levels of coverage may be available through a fully underwritten individual disability program.
Click here to receive a disability quote from the leading provider of physician "own occupation" disability insurance with NO MEDICAL UNDERWRITING.
Click here to complete a GSI application for Guardian disability insurance.
While you are in Training
This offer gives you the opportunity to protect your income if you become disabled, even if you have pre-existing conditions that would normally prevent you from obtaining coverage. Mental health conditions, cancer, diabetes, pregnancy, hypertension, and high-risk activities including scuba diving, rock climbing, etc. are all covered. In addition, the policy is a personally-owned individual disability insurance policy that is portable. Take time now to learn about the benefits of the GSI offer. No time is too early to contact us to learn more.
Before you Graduate
All the hard work, years of sacrifice, and unwavering commitment to your education are necessary steps to a rewarding career. Your investment has been considerable. Before you move to the next phase of your career, there's another important step you should take: protecting your earning power from the devastating effects of an illness or injury.
Disclosure: This material contains only general descriptions and is not a solicitation to sell any insurance product. For information about specific insurance needs or situations, contact your insurance agent. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information. Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.