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, 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 medical specialty even if you choose to earn in another occupation or specialty and, sometimes, 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 UKY 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
- Recent Needle Stick
- Diabetes
- Cancer History
- Travel
ADDITIONAL BENEFITS
- Keep the policy and the discounts after you leave UKY
- 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 UKY, Guardian GSI disability insurance offers are available for Residents and Fellows at 75+ other premier hospitals across the country.
CONTACT INFORMATION
