GSI Disability Insurance for Hackensack Meridian Health
Residents and fellows training at Hackensack Meridian Health have access to a Guaranteed Standard Issue (GSI) disability insurance offer. This is available anytime during your residency or fellowship and up to 90 days after you complete your training.
This program allows eligible trainees to secure individual disability insurance without medical questions or exams. Please see eligibility rules below.
What is GSI Disability Insurance?
Guaranteed Standard Issue (GSI) is an individual disability insurance policy available to eligible residents and fellows that does not require medical exams or health history review.
If you meet the program's eligibility requirements, coverage is guaranteed, even if you have pre-existing medical conditions that could otherwise limit or prevent approval with traditional disability insurance.
What Does the GSI Policy Include?
The GSI disability insurance for Hackensack Meridian Health includes the same core features found in fully underwritten individual disability policies, including:
- Specialty-specific disability definitions, also known as "True Own Occupation"
- Guaranteed future increase options, allowing benefit increases as income grows (up to $15,000/month)
- Guaranteed renewable and non-cancelable coverage, meaning the insurance company cannot change or cancel the policy as long as premiums are paid
- Portable coverage that stays with you regardless of employer or location
Which Insurance Company Offers GSI for Hackensack Meridian Health?
The Guaranteed Standard Issue disability insurance program for Hackensack Meridian Health residents and fellows is offered by The Guardian Life Insurance Company of America.
Guardian is widely recognized as one of the best disability insurance carriers for physicians, known for their strong own-occupation definition and policy features designed specifically for medical professionals.
Eligibility & When to Apply for GSI Disability Insurance
The GSI disability insurance for Hackensack Meridian Health, is limited to medical residents and fellows. To qualify, you must have not received a modified offer or decline from a disability insurance company, other than Guardian.
Should you apply with another company before Guardian's GSI plan, it could prevent you from being eligible for this offer moving forward. The application window closes 90 days after you finish your residency or fellowship program at Hackensack Meridian Health.
Hackensack Meridian Health Locations Eligible for GSI
Residents and fellows at the following Hackensack Meridian Health locations may be eligible for Guardian's GSI disability insurance offer:
Hackensack University Medical Center
Jersey Shore University Medical Center
JFK University Medical Center
Bayshore Medical Center
Joseph M. Sanzari Children's Hospital
K. Hovnanian Children's Hospital
Mountainside Medical Center
Ocean University Medical Center
Old Bridge Medical Center
Palisades Medical Center
Pascack Valley Medical Center
Raritan Bay Medical Center
Riverview Medical Center
Southern Ocean Medical Center
Pediatric Care Center at Raritan Bay