GSI Disability Insurance for Rutgers Health
Rutgers residents and fellows can obtain individual disability insurance with no medical questions or exams, regardless of health history.
What is GSI Disability Insurance?
Guaranteed Standard Issue (GSI) is an individual disability insurance policy that doesn’t require medical exams or a review of your health history. Available only to residents and fellows at select institutions nationwide, it’s one of the most sought-after policies for trainees, providing essential income protection for your career.
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.
Who Qualifies for the GSI?
GSI disability insurance for Rutgers Health is available to medical residents and fellows up to 90 days after the last day of training.
To qualify, you must have not received any modified offers or declines from an insurance company, other than Guardian.
Who Offers the GSI Disability Insurance for Rutgers?
The Guaranteed Standard Issue (GSI) program for Rutgers trainees is offered by The Guardian Life Insurance Company of America. Protuity serves as the broker administering this program.
As an independent brokerage, Protuity typically works with the "Big 5" disability insurance carriers for physicians, giving clients an unbiased range of options. GSI policies are different in that they require no medical underwriting, making them one of the most accessible and comprehensive income protection options for trainees. Applying for any other disability insurance plan may affect your ability to obtain full coverage through this GSI.
How Do I Get Started With GSI?
Please feel free to submit the GSI quote request form on the top of this page. Once we receive your request, we'll prepare a few quotes and explain the GSI benefits over a phone call.
Rutgers Health Locations with Access to This GSI
Residents and fellows at the following Rutgers Health locations may be eligible for Guardian's GSI disability insurance offer:
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