Members of the American Society of Plastic Surgeons age 45 or younger are eligible for an Accept/Reject disability insurance program from Guardian.
The Accept/Reject program allows you to obtain an individual disability insurance policy for up to $15,000 monthly benefit. Guardian could potentially offer higher levels of coverage to members of the American Society of Plastic Surgeons (ASPS) outside of the Accept/Reject Program which also includes a 10% Association Discount.
No Medical Exclusion Riders
The medical underwriting of applications submitted as part of this program will be handled on an Accept/Reject basis. If we would generally decline an application according to our usual medical underwriting guidelines, then we will decline that application under this program.
We will issue it without further modification if we do not decline an application. Policies issued under this program will not receive substandard ratings, medical exclusion riders, limited benefit periods, removed riders, reduced benefit amounts, or other modifications.
Non-citizen members may still receive a travel exclusion based on our normal underwriting guidelines.
Applicants who are members of the association but who do not meet the other criteria for the Accept/Reject program, such as those who are above age 45 or those with prior declines or modified offers from other carriers, may still apply for fully underwritten Guardian coverage with a 10% Association Discount.
