WHY HERE FIRST? CAUTION!
Even seemingly insignificant aspects of your medical history or activities can lead to policy limitations or outright rejection by other insurance providers. If you apply elsewhere resulting in an exclusion, rating, or decline, you may not be eligible for the Guardian GSI offer. Don’t gamble with your financial future!
Hassles You’ll Avoid with Guaranteed Standard Issue
- blood tests
- health questions
- medication review
- long phone interviews
- driving record checks
- gathering physician records
- travel history questionnaire
IMPORTANT PROVISIONS FOR PHYSICIANS
Guardian offers a unique definition of disability JUST FOR PHYSICIANS, and not found anywhere else in the industry. It’s the strongest definition of disability available to physicians!
Our enhanced definition starts with a strong True Own-Occupation Definition of Total Disability protecting your specific medical specialty occupation even if you choose to earn in another occupation or specialty as well as in some instances even your own practice without reductions to your benefit amount.
You are considered totally disabled if more than 50% of your income is from:
- Hands-on patient care and, solely because of injury or illness, you can no longer perform hands-on patient care; or
- Performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures.
COMMON CONDITIONS THAT CAN RESULT IN EXCLUSIONS, RATINGS, OR DECLINES
The UAB GSI offer is available even if you have pre-existing conditions that would normally prevent you from obtaining coverage.
- Stress/Anxiety/Depression
- Build/BMI
- Chiropractic History
- Pregnancy/Infertility
- Diabetes
- Cancer History
- Travel
ADDITIONAL BENEFITS
- Keep the policy and the discounts after you leave UAB
- Future increase options annually up to $15,000 total benefit
- Catastrophic Disability Benefits (CAT)
- Student Loan Riders (SLR)
OTHER HOSPITALS WITH GUARDIAN GSI DISABILITY INSURANCE OFFERS
Guardian is one of the premier disability insurance companies for physicians nationwide. In addition to UAB, there are Guardian GSI disability insurance offers for Residents and Fellows at 50+ other premier hospitals across the country.
CONTACT INFORMATION
Our local office has been serving UAB physicians with GSI disability insurance for 40+ years. The exclusive plan administrators of this offer can provide more information.
