GSI Disability Insurance for MetroHealth
Guaranteed Standard Issue (GSI) disability insurance is available to residents and fellows at MetroHealth. This program allows you to secure individual disability insurance with no medical questions, regardless of your health history.
What is GSI Disability Insurance?
Guaranteed Standard Issue (GSI) is an individual disability insurance policy available to residents and fellows, regardless of personal medical history. For example, individuals with diabetes, anxiety, high blood pressue, pregnancy, or a history of cancer may still be able to obtain coverage through a GSI policy.
Eligibility for Residents & Fellows
You must have not received a modified offer or decline from another disability insurance company.
Exclusions and policy modifications are common within traditional disability insurance applications. For example, a history of propranolol use for public speaking may result in a mental nervous exclusion, meaning future disability claims related to psychiatric conditions would not be covered. Similarly, self-prescribing medications or undocumented treatment can often lead to a modified offer or decline for coverage.
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 MetroHealth.
Which Insurance Company Offers GSI for MetroHealth?
The Guaranteed Standard Issue disability insurance program for MetroHealth 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.
What Does the GSI Policy Include?
Because GSI is an individual disability insurance policy, it includes the same core features found in Guardian's flagship physician policy, Provider Choice, with one key distinction.
The Guaranteed Sandard Issue policy will include a guaranteed future increase rider, allowing you to increase your benefit up to a maximum of $15,000 per month.
All other policy features remain consistent with fully underwritten Guardian policies, including an enhanced true own occupation definition of disability, partial disability coverage, and optional riders such as cost of living adjustments (COLA).