GSI Disability Insurance for Residents & Fellows

Your income drives every financial goal, such as paying down debt, owning a home, saving for retirement, and building financial freedom. What happens if you can't work?

Guaranteed Standard Issue (GSI) disability insurance allows eligible residents and fellows to protect their future income without medical questions or exams. Available at select institutions, GSI disability insurance offers career-long protection, even for those with pre-existing conditions.

No Medical Questions or Medical Exams Required

Moves with you from job to job

True Own Occupation Definition of Disability

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What Is GSI Disability Insurance?

Guaranteed Standard Issue (GSI) disability insurance is a type of individual disability insurance that provides a monthly benefit if you are unable to work in your specialty. It guarantees coverage to eligible residents and fellows without medical exams or health history reviews, even for those with pre-existing conditions. Approval is guaranteed as long as program eligibility requirements are met. This makes GSI disability insurance especially valuable for physicians who might face difficulty qualifying for traditional disability insurance.

Residents & Fellows learning about GSI disability insurance

Where is GSI Available?

Protuity exclusively offers GSI access to residency and fellowship programs at the following institutions:

Hackensack Meridian Health

MetroHealth

Rutgers Health

SUNY Upstate

University of Missouri (Kansas City & Columbia)

We also have access to Guaranteed Standard Issue offers at over 180 hospitals nationwide. If your institution isn't listed, please reach out as we may still be able to assist.

When Should You Get GSI Disability Insurance?

It's important to note that to take advantage of a Guardian GSI offer, you cannot apply for disability insurance with another company first. Should you apply with another company first, and that application includes any modifications, or you are declined, the GSI disability insurance will no longer be available.

Due to the qualification requirements, it's best to apply for your Guaranteed Standard Issue disability insurance as soon as you learn of its availability. The best time to obtain disability insurance is while you're still in training to lock in your discounting, health and age. As an attending, you'll be able to increase your GSI benefit up to a maximum $15,000 monthly benefit.

Advantages of Guardian's Provider Choice Policy

Guardian's Provider Choice disability insurance is one of the highest-quality policies available for physicians. Key advantages include:

  1. Non-cancelable and guaranteed renewable coverage: The insurance carrier cannot cancel or change your policy as long as you continue paying the premiums.
  2. Enhanced true own occupation definition of disability: You are considered totally disabled if you cannot perform the substantial duties of your medical specialty, even if you choose to work in a different field.
  3. Optional riders for added protection: Choose from future increase riders, cost of living adjustments, student loan protection and retirement protection plus riders.
  4. Partial disability coverage: Benefits are available even if you are partially disabled and still working in your specialty.

We are not affiliated with The Guardian Life Insurance Company of America. We are an independent organization that hold exclusive offers from Guardian 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 (GSI) policies are individual and voluntary.