DrDisabilityQuotes.com is the only approved disability insurance broker for Hackensack Meridian Guaranteed Standard Issue (GSI) disability insurance through Guardian Life Insurance Company. Our offerings include exclusive pricing and policies only available to Hackensack Meridian Health trainees that will follow you after graduation.
Available To Residents & Fellows At The Following Locations:
Hackensack University Medical Center
Jersey Shore University Medical Center
JFK University Medical Center
Bayshore Medical Center
Joseph M. Sanzair 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
What Is Hackensack Meridian Health GSI?
GSI is an individual disability insurance for fellows and residents that requires no medical evaluation during your application process. Since there's no health review involved, even those with pre-existing conditions can qualify. Benefit payout amounts can reach up to a $15,000 monthly benefit with this GSI coverage.
Our Hackensack Meridian disability insurance is portable, which allows you to take the coverage with you if you change employers. Plus, the guaranteed renewable and noncancelable policies help ensure continued, non-employer-dependent access for peace of mind as you progress throughout your career.
Why Is GSI Coverage Important?
Qualifying for a private disability insurance policy is challenging. Most individual coverage will require a lengthy medical underwriting review when you apply. The insurance company will then offer a plan based on your unique medical history.
If you've had an ACL tear but now have hardware in your right knee, expect the carrier to exclude your right knee for disability coverage under the policy. If you are a type 1 diabetic, you will be unable to qualify for a medically underwritten individual policy. If you have self-prescribed medication, expect a decline until you undergo evaluation by an independent physician.
Unfortunately, applying for disability insurance can also be lengthy due to the intricate underwriting process of the insurance company reviewing your health history and medical records.
Fortunately, insurance companies have created GSI — Guaranteed Standard Issue — disability insurance that is only available to select institutional residency and fellowship programs. We are proud to be the exclusive brokers for Guardian's GSI coverage at Hackensack Meridian Health! GSI disability insurance will have similar features to individual coverage, including everything trainees look for:
- Total disability definitions protecting their specialty — also known as true own occupation.
- Guaranteed future increases in monthly benefits up to $15,000.
- The insurance company cannot change your coverage or premiums — the policy is guaranteed renewable and non-cancelable.
GSI coverage also outperforms employer group coverage, which has several limitations. These plans often contain no true own occupation language, which means the insurer may be able to deny a disability claim if you can perform work outside your specialty. Benefits are typically taxable, and the insurer can offset their payout by other benefits you receive while disabled. Group long-term disability insurance also isn't portable or guaranteed renewable and non-cancelable.
Most importantly, GSI disability insurance doesn't have any medical underwriting. Even with the hardware in the right knee, Type 1 Diabetes or self-prescribing history, anyone can qualify for this coverage without the hassle of being approved through a fully underwritten individual policy.
Qualification for Hackensack Meridian Disability Insurance
This GSI offering is available to residents and fellows of Hackensack Meridian Health who have “not been declined or given a modified offer of individual disability insurance through a carrier other than Guardian more than nine months after their hire date or in the past five years, whichever is shorter.”
Please keep in mind that even an exclusion for a fully underwritten individual disability insurance plan is considered a modified offer. Should you apply with another company before Guardian's GSI plan, it could prevent you from being eligible for this unique benefit moving forward. Applying with another insurance carrier when you know a GSI offer exists is gambling with your financial future — it is never a good idea when there is an option with full benefits at your fingertips!
The application window closes 90 days after you finish your residency or fellowship program at Hackensack Meridian.
Request Your Personalized Quote Today
As one of the industry's most trusted independent agencies, DrDisabilityQuotes.com proudly offers Guardian Life Insurance Company as the exclusive partner for Hackensack Meridian Health GSI disability insurance. We work closely with medical professionals like you to identify GSI plans that meet your protection and budget needs.
We'll present your options and thoroughly review them with you so you can move forward confidently. Our agents make it seamless and easy — simply contact us or fill out the form below to get started.
Program Highlights
Enhanced True Own-Occupation for Physicians!
Portability
Permanent Training Discounting up to 20-30%
Future Increase Rider allowing you to increase up to a maximum $15,000 monthly benefit
Guaranteed Renewable and NonCancelable
No added exclusions for pre-existing conditions
No medical underwriting!
No lab testing or physical exams
High-risk lifestyle activities generally covered
DrDisabilityQuotes.com is the exclusive agency offering Guardian's Guaranteed Standard Issue (GSI) Disability Insurance for all Hackensack Meridian Health residents and fellows. If you are a resident or fellow at one of the listed Hackensack Meridian Health locations, you have a unique opportunity to obtain individual disability insurance with no medical underwriting. This is available during your training and up to 90 days after completion of residency or fellowship. Please review the following information and submit your information through the quote request below. Our team is looking forward to assisting you further.
Available To Residents & Fellows At The Following Locations:
Hackensack University Medical Center
Jersey Shore University Medical Center
JFK University Medical Center
Bayshore Medical Center
Joseph M. Sanzair 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
What is the Difference Between Guaranteed Standard Issue (GSI), Individual and Group Disability Insurance?
Group disability insurance is for employees or members of organizations with no customization options. It is coverage offered by employers, and often paid for by the employer, but it doesn't provide the ability to take the coverage with you if you change employers. Your residency or fellowship group policy from Hackensack Meridian Health will not stay with you when you change employers. The same will be true if you change employers as an attending physician. Group long-term disability coverage has plenty of shortfalls, including no True Own Occupation definition of total disability, benefits being taxable when collected, offset of benefits if collecting other sources of income while disabled - such as Social Security benefits or Workers' Compensation, and it is not Guaranteed Renewable or Noncancelable - meaning your employer can cancel or change the benefits offered at any time. However, all employees qualify for non-contributory group disability insurance since there is no underwriting.
Individual 'fully underwritten' disability insurance is customizable and offers portability and individual ownership of the policy. However, what makes most individual disability insurance 'fully underwritten' is that you will need to be approved through medical underwriting. When you apply for individual fully underwritten disability insurance, you could either be approved with no penalties, approved but with exclusions or other modifications, such as price increase or reduction of benefits, or declined and not offered a policy. However, even those with no major pre-existing conditions could receive a modified offer or denial for situations such as self-prescribing medication, recent medication changes, noncompliance with medical advice or treatment, etc.
Guaranteed Standard Issue (GSI) disability insurance aims to bridge the gap, while providing customization (though not to the extent of individual 'fully underwritten' disability insurance). Similar to individual disability insurance, these plans are portable, Guaranteed Renewable, and NonCancelable, and have the strongest definition of total disability for physicians - True Own Occupation. This GSI option is available to all residents and fellows through DrDisabilityQuotes.com, exclusively at Hackensack Meridian Health. GSI should be a great option if you're searching for individual disability insurance!
Who Qualifies For Guaranteed Standard Issue (GSI) Disability Insurance?
This GSI option is available to residents and fellows who have not been declined or given a modified offer of individual disability insurance through a carrier other than Guardian more than nine months after their hire date or in the past five years, whichever is shorter.
**Please note that even an exclusion for fully underwritten individual disability insurance is considered a modified offer!**
Why You Should Apply with GSI Before Any Fully Underwritten Disability Insurance?
GSI is available to all residents and fellows at your Hackensack Meridian Health location. However, as mentioned above, you will not qualify for the GSI option if you have received a denial or modified approval from any previous disability insurance application. Should you apply with another company before Guardian's GSI plan, it could prevent you from being eligible for this unique benefit moving forward. Applying with another company when you know a GSI offer exists is gambling with your financial future; it is never a good idea when there is an option with full benefits at your fingertips.
Program Highlights
Enhanced True Own-Occupation for Physicians!
Portability
Permanent Training Discounting up to 20-30%
Future Increase Rider allowing you to increase up to a maximum $15,000 monthly benefit
Guaranteed Renewable and NonCancelable
No added exclusions for pre-existing conditions
No medical underwriting!
No lab testing or physical exams
High-risk lifestyle activities generally covered
Request your GSI Disability Insurance Quote!
Bob Bhayani
Adam Zalewski
Alyssa DePasquale
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.