Guaranteed Issue Disability Insurance

About the Offering

The UT Southwestern Individual Disability insurance program guarantees its residents and fellows the right to secure permanent and portable income and loan payment protection during and after their training program. 

Supplemental Coverage
During Training

Portable Coverage
for Graduates

Guaranteed Supplemental
Coverage During Training

From the beginning of their training program until nine months prior to graduation, residents and fellows can obtain a policy that would increase the amount of income they would receive during an unexpected accident or illness.

This policy is made available without regard to current or pre-existing medical conditions and will include permanent rate discounts.

Terms of Coverage

24 month mental nervous/substance abuse limitation. 3/12 pre-existing conditions limitation. The applicant must not have been declined or postponed In the seven years prior to the application date, for any individual or group disability income insurance coverage with Standard Insurance Company, or with any other insurance company. This is only a general description/outline of coverage. For specific plan language or to request assistance please contact InsMed Insurance Agency, Inc at info@insmedinsurance.com, 800-214-7039 or www.insmedinsurance.com

Guaranteed Portable
Coverage for Graduates

Residents and fellows who are within 9 months of graduation are able to secure a portable policy designed to protect current and future income and any ongoing loan obligations during a claim.

This policy is made available without regard to current or pre-existing medical conditions and will include permanent rate discounts.

Terms of Coverage

24 month mental nervous/substance abuse limitation. 3/12 pre-existing conditions limitation. The applicant must not have been declined or postponed In the seven years prior to the application date, for any individual or group disability income insurance coverage with Standard Insurance Company, or with any other insurance company. This is only a general description/outline of coverage. For specific plan language or to request assistance please contact InsMed Insurance Agency, Inc at info@insmedinsurance.com, 800-214-7039 or www.insmedinsurance.com

Request a Personal Proposal

The terms and pricing of the UTSW Disability Program allows you to select from a range of benefit amounts and several optional plan provisions. To obtain a personalized proposal or to arrange a time to speak with a local representative please complete the information requested below.

Risk Calculators

Do you have enough protection?
Use our calculators to see if you have enough protection to meet your needs.

Graduation
Calculator

FAQs

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