Guaranteed Issue Disability Insurance - No Medical Questions Asked!
The Guardian Life Insurance Company of America is now offering GSI disability insurance to residents and fellows training at Rutgers Health. This is available anytime during your residency or fellowship and up to 90 days after you complete your training.
GSI, or Guaranteed Standard Issue, is a unique and exclusive type of disability insurance policy. As the name suggests, it guarantees you to be approved for a policy regardless of your health history.
The GSI disability insurance offers many of the same benefits as a true own-occupation individual disability insurance (IDI) policy. It is fully portable, allowing you to take your coverage with you after completing your training.
Available To Residents & Fellows At These Locations:
Robert Wood Johnson University Hospital
University Hospital
Rutgers Cancer Institute
Monmouth Medical Center
Rutgers University Behavioral Health Care
Cooperman Barnabas
Jersey City Medical Center
Saint Peter's University Hospital
Newark Beth Israel
The Value of Rutgers GSI Disability Insurance
Disabling illnesses and injuries are unpredictable, potentially impacting your ability to earn an income as a physician. Employer-sponsored plans, also known as group LTD benefits, typically fall short when it comes to portability, long-term security, and peace of mind. While fully underwritten individual disability insurance policies offer the strongest definitions and protection for physicians, eligibility is often dependent on your personal medical history.
Rutgers GSI disability insurance bridges the gap. It is an individual, portable disability insurance policy available exclusively during your training and it requires no medical underwriting. This allows medical residents and fellows to secure high-quality, specialty-specific disability coverage regardless of their health history.
Eligibility Rules
You can apply for the Rutgers GSI disability insurance when your fellowship or residency begins. We recommend applying as soon as possible due to the eligibility criteria below. You'll be able to increase your monthly benefit after training with a future increase rider to ensure your benefits grow with your income as an Attending.
You will not be able to qualify for the Guaranteed Standard Issue if:
‘you have been declined or given a modified offer through a carrier other than Guardian more than 9 months after your hire date or in the past 5 years, whichever is shorter.’
We encourage you to consider this GSI plan before considering submitting any other disability insurance applications. An insurer's denial or modified offer will prevent you from qualifying for this exclusive GSI offering!
Get Your GSI Quotes Today
Simply submit a quote request using the form below! Once you submit your information, our team will send you a Guardian GSI quote, as well as other individual disability insurance options. Protuity's unbiased experts will help you understand the details and differences of the plans.
We are not affiliated with the listed institutions. We are an independent organization that hold exclusive offers from insurance companies to be able to offer this GSI option for residents and fellows at select institutions. This is not a group nor employer benefit as Guaranteed Standard Issue policies are individual and voluntary.