Guaranteed Standard Issue Programs


Defend your income

We are pleased to provide a Guaranteed Standard Issue (GSI) Disability Insurance Program. This program is available to all residents and fellows at Mayo Clinic - Minnesota, Florida, Arizona and Wisconsin locations.

We are also excited to offer access to a Guaranteed Standard Issue (GSI) Disability Insurance Program to the interns, residents and fellows at Cedars-Sinai Medical Center, Emory University, Tufts, the University of Buffalo, and Mount Sinai Hospital (New York and Florida locations) and other programs where available.

The Guaranteed Standard Issue Program allows you to obtain an individual disability insurance policy - with no medical underwriting - for up to $7,500 of monthly benefit, subject to Guardian's New Professional Limits.

This program 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. In addition, the policy is a personally-owned individual disability insurance policy that is portable.

Click here to receive disability quotes from the leading providers of physician "own occupation" disability insurance.

While you are in training

Take time now to learn about the benefits of the GSI Program. 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.

Highlights of this GSI Program include:

  • Monthly benefit up to $7,500, subject to Guardian's New Professional limits, or up to $15,000 with financial underwriting
  • Future Increase Option Rider allows you to elect a smaller monthly benefit today with additional coverage available in the future
  • No medical underwriting - coverage is guaranteed standard issue
  • "Medical Specialty" Own Occupation definition of disability
  • Elimination Period - 90 days
  • Benefit Period - To age 67
  • Recovery Benefit Option - Up to the full benefit period, up to age 67
  • Enhanced Partial Benefit Rider - Yes, with a 15% loss of income trigger, or times or duties. A unique loss of income feature for the first 12 months, after satisfying the waiting period, with the Residual Disability Benefit
  • Catastrophic Benefit Rider - Up to $8,000 of monthly 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
  • Discounts - 10% Student Residence discount; 10% Mental and or Substance-Related discount, 10% Preferred Occupation discount, depending on medical specialty

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 Berkshire Life) is not eligible for this program. Therefore, you are encouraged to look into this program as soon as possible.

Higher levels of coverage may be available through a fully underwritten individual disability program.

Click here to receive disability quotes from the leading providers of physician "own occupation" disability insurance.