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GSI Disability Insurance for OHSU Residents and Fellows

You’ve dedicated years of your life to medical training. Protect that investment and your future earning potential.

Review Your Disability
Insurance Options Here

You have invested heavily in yourself, it is time to protect your future income

You have invested a lot of time and resources in preparing for a successful career practicing medicine. It is very important to adequately protect your future income. Our Guaranteed Standard Issue (GSI) program can help.

The advantages of a GSI program include:
  • Individual disability insurance coverage up to $15,000 (through a Benefit Increase Rider) per month with limited medical underwriting
  • Own Occupation Specialty definition of disability
  • 20% discounted rates and level premiums that are guaranteed for the life of your policy
What is medical underwriting?

Medical underwriting is required to obtain nearly all individual disability insurance coverage. Insurance companies can go back 5-10 years on minor health issues and can even request medical records for medical issues going back an entire lifetime to help determine if an application can be approved or if higher costs or exclusions are necessary. Applying for coverage under a GSI program helps minimize medical underwriting requirements.

Approval for disability income insurance includes meeting eligibility requirements like the following:
  • You must be an active Resident or Fellow at Oregon Health & Science University
  • You must have been actively at work 30 hours/week or more for the last 90 days
  • Answering four health related questions
  • Have not been declined for disability insurance by another insurance company in the last 5 years

Amount of coverage is based on your level of training

Final year residents & fellows within 6 months from graduation
  • Up to $7,500/month with a Benefit Increase Rider
  • Minimum benefit of $2,500/month
Residents & fellows outside 6 months from graduation
  • Up to $6,000/month with a Benefit Increase Rider
  • Minimum benefit of $2,500/month

Summary of Individual Disability Insurance Policy Features from Ameritas

Medical Specialty Own Occupation Definition of Disability You are protected in your own occupation and medical specialty through the entire benefit period.
Noncancelable & Guaranteed Renewable The insurance company cannot cancel your policy, change your policy provisions or change the rates on your policy as long as premiums are paid on time.
90 Day Elimination Period The number of days you must be disabled before benefits can be paid.
To Age 65 Benefit Period The duration that your policy can pay you a benefit.
Residual / Partial Disability If you are disabled and able to only work part-time resulting in income loss, a partial benefit is payable.
Inflation (COLA) Adjustment Rider Increases the total monthly benefit after one fully year of disability, to help offset the effects of inflation.
Benefit Increase Rider A rider to increase your monthly benefit up to $15,000/month, to keep up with increases to your income.
COBRA Premium Benefit If you lose employment due to your disability, this feature reimburses the cost of COBRA health insurance premiums (individual or family) up to $1,000 per month, for a maximum of 18 months.
Catastrophic Disability An optional rider to add additional monthly benefit if you are unable to perform two or more activities of daily living without assistance or if severely cognitively impaired.


About your Plan Administrator

The approved provider of the GSI disability insurance program for OHSU residents and fellows is an independent financial professional who specializes in helping physician families. He was the first advisor in the state of Oregon to earn the Certified Student Loan Professional (CSLP®) designation and also holds the CFP® and RICP® designations.





Protect Against the Unexpected with Disability Income Insurance

As a physician, you see illnesses and injuries on a regular basis. But what if you couldn’t work? Do you have adequate disability income insurance in place? By putting your trust in Ameritas you receive a wide range of benefits and services while protecting what matters most. Recognized as one of the best individual disability insurance companies, Ameritas disability income insurance goes to work when you can’t.



Ameritas Life Insurance Corp.
5900 O Street
Lincoln, NE 68510
Website: ameritas.com/disability-income



“Privacy Statement URL: https://www.ameritas.com/about/privacy/ In approved states, DInamic Foundation (forms 4501NC, 4502GR and 4503NCBOE) is issued by Ameritas Life Insurance Corp. In New York, DInamic Foundation (forms 5501-NC, 5502-GR and 5503NCBOE) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states. Valued Advisor and Valued Advisor Group, are not affiliates of Ameritas or any of its affiliates.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., 5900 O Street, Lincoln, Nebraska 68510 and Ameritas Life Insurance Corp. of New York, (licensed in New York) 1350 Broadway, Suite 2201, New York, New York 10018. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

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. © 2020 Ameritas Mutual Holding Company”