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.
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.
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.
Amount of coverage is based on your level of training | |
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Final year residents & fellows within 6 months from graduation |
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Residents & fellows outside 6 months from graduation |
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Summary of Individual Disability Insurance Policy Features from Ameritas | |
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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. |
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.
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.
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