Residents and fellows at the University of Cincinnati have an attractive benefit available to them with Guaranteed Standard Issue (GSI) disability insurance. DrDisabilityQuotes.com is the exclusive partner for your GSI offering through The Standard.
What Is GSI Insurance for University of Cincinnati Fellows and Residents?
GSI insurance is a customizable, individual solution to income protection for residents and fellows that applies if a disability makes you unable to perform your job. This policy's primary feature is the elimination of a medical review during application, which means all residents and fellows could qualify for full coverage regardless of health history.
Other benefits of GSI include:
- Up to $15,000 in monthly benefits.
- Portability, so protection follows you if you change employers.
- Guaranteed renewable and non-cancelable, locking in your training discounts and premiums.
Why GSI Disability Insurance Is Vital
No one intentionally plans a disabling illness or injury, but they can happen at any time and impact your earning potential. Employer-sponsored plans, also known as group LTD benefits, simply don't provide enough security, access and peace of mind. On the other hand, fully underwritten individual plans have the best definitions and provisions for physicians but qualifying for a plan will depend on your unique medical history.
GSI disability insurance is the insurance solution that bridges the gap. It is an individual, portable policy obtainable only during your training at University of Cincinnati. Most importantly, it requires no medical underwriting so you can qualify for the best coverage regardless of your health history.
Difference Between Group, Non-GSI and GSI Insurance
While employer-sponsored insurance plans provide automatic coverage and no preexisting condition exclusions, they also have shortcomings to be aware of:
- No customization or portability
- Cancelable and not guaranteed renewable
- No True Own Occupation definition of total disability
- Typically fully taxable payouts if the employer pays the premiums
- Offsets in benefits if you receive any other income while disabled.
Fully underwritten individual disability insurance — individual non-GSI plans — require a complete health history review. Advantages to this protection include high customizability, portability, guaranteed renewable and non-cancelable coverage, and True Own Occupation definitions of total disability. However, insurers can decline applicants, exclude pre-existing conditions from being a covered disability or make other modifications that are less than ideal for complete financial security.
GSI disability insurance will be the same as full underwritten coverage, other than the fact that there is no medical underwriting! Residents and fellows at University of Cincinnati will be able to obtain this policy without concerns of qualifying based on any health history!
When to Get University of Cincinnati GSI Insurance
You can apply for GSI insurance when your fellowship or residency begins. We recommend applying as soon as possible due to the eligibility criteria below. You'll be able to increase your monthly benefit after training with a future increase rider to ensure your benefits grow with your income as an Attending.
You will not be able to qualify for the GSI if:
‘you have received a denial or modified approval from any previous disability insurance application.’
We encourage you to consider this GSI plan before considering submitting any other disability insurance applications. An insurer's denial or modified offer will prevent you from qualifying for this exclusive GSI offering!
Explore Your GSI Options Today
DrDisabilityQuotes.com is the exclusive partner for The Standard's University of Cincinnati disability insurance for fellows and residents. Our professionals are committed to finding the best coverage and rates for your financial protection needs as a well-recognized and independent insurance agent. We'll guide you on your options and provide the insights and expertise you need to make the right decision for you. Simply submit a quote request or contact us to get started.
DrDisabilityQuotes.com is the exclusive partner for The Standard's University of Cincinnati disability insurance for fellows and residents. Our professionals are committed to finding the best coverage and rates for your financial protection needs as a well-recognized and independent insurance agent. We'll guide you on your options and provide the insights and expertise you need to make the right decision for you. Simply submit a quote request or contact us to get started.
Program Highlights
True Own Occupation Definition of Total Disability 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
GET A DISABILITY INSURANCE QUOTE IN SECONDS. IT'S THAT SIMPLE.
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.