Protuity's exclusive University of Missouri GSI disability insurance is available to residents and fellows from Ameritas—one of the top carriers! Medical history? No problem! We make it simple and convenient to get the right coverage for you.
Available To Residents/Fellows At The Following Locations:
Columbia Residency & Fellowship Programs include:
University Hospital
University Hospital
Children's Hospital
Women's Hospital
Capital Region Medical Center
Missouri Orthopaedic Institute
Missouri Psychiatric Center
Ellis Fischel Cancer Center
Cosmopolitan International Diabetes and Endocrinology Center
Missouri Center for Maternal/Fetal Medicine and Ultrasound
Pediatric and Adolescent Specialty Clinic
Thompson Center for Autism and Neurodevelopment
Kansas City Residency & Fellowship Programs, including:
Children's Mercy Kansas City
Saint Luke's Hospital of Kansas City
University Health - Truman Medical Center (UH-TMC)
University Health - Lakewood Medical Center (UH-LMC)
University of Missouri-Kansas City School of Medicine
Saint Luke's Mid America Heart Institute
University Physician Associates Center for Behavioral Medicine (CBM)
What Is a GSI Disability Insurance?
Guaranteed Standard Issue (GSI) is an individual disability insurance option that protects physicians from income loss due to a disability. These plans offer benefits equivalent to the top traditional disability insurance with one key difference — GSI has no medical underwriting review. In other words, pre-existing medical conditions won't disqualify you from qualifying.
University of Missouri GSI disability insurance is available to residents and fellows, with various riders to customize protection. Benefits go as high as $15,000 monthly, and the coverage is portable, non-cancelable and guaranteed renewable.
The GSI disability insurance plan for the University of Missouri, Mizzou and UMKC is available through Ameritas.
Why Consider GSI Disability Insurance?
GSI insurance for University of Missouri fellows and residents can supplement other disability coverage or be a stand-alone solution. It's especially valuable in financial protection for those with health histories that could cause disability and impact earnings potential. Coverage helps provide financial security if an illness or injury occurs.
How GSI Differs From Other Disability Insurance Options
Most traditional, individual disability insurance plans are fully underwritten—meaning an approval will be dependent on your health history. For instance, pre-existing conditions, prescription history, major medical claims data, motor vehicle driving history, and any medical records or lab test results. The company will then approve or decline based on your overall risk assessment.
GSI disability insurance is an individual plan that requires no medical underwriting. It has similar features to other individual policies including true own occupation definition of total disability, portability, ability to increase benefits in the future with no additional medical underwriting, and guaranteed renewable and non-cancelable features. The differences with a GSI disability insurance policy are that there is no medical underwriting and coverage can only increase up to a $15,000 maximum monthly benefit.
Group disability insurance coverage, which is provided through employer benefits, often insures you from your hire date. However, this coverage has many limitations, such as an inferior definition of total disability, offset payouts if you receive other disability benefits, and no portability options — you lose the benefit once you change employers. It's often advisable not to rely solely on group LTD benefits because of these shortcomings.
When Should You Apply for GSI Insurance?
You will not be eligible for this Ameritas GSI disability insurance if the following statement is true:
“Applicants who have previously applied for individual disability insurance in the past 60 months which resulted in a modified offer, rating or exclusion, or withdrew a pending application for insurance are not eligible for the Ameritas GSI coverage.”
The ideal time to apply for GSI is as soon as possible. The application window ends 90 days after the completion of your fellowship or residency. However, the above qualification requirement means it's ideal to obtain this coverage before considering applying for any other disability insurance coverage. If you receive an offer with modifications from any fully underwritten application, this GSI plan will no longer be available.
Request Your Free GSI Quote
Protuity is a trusted Ameritas disability insurance partner for University of Missouri GSI disability insurance. Our independent & unbiased team are ready to help you understand the differences between GSI and traditional individual disability insurance.
Once you submit your information using the form below, we will send you quotes for the GSI along with other top options. Additionally, we'll take the time to review, explain and compare them with you.
Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2024 Ameritas Mutual Holding Company
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.
