Residents and Fellows at select programs may qualify for disability insurance with simplified underwriting — often with no medical exam.
Guaranteed issue programs may be available to Residents and Fellows at:
Programs are subject to eligibility requirements and may vary by residency program.
Guaranteed issue programs allow eligible Residents and Fellows to obtain disability insurance with simplified underwriting — often without a medical exam. These programs are specifically designed for physicians in training.
Because the underwriting is simplified, Residents can secure coverage early in their careers before health changes could affect eligibility or pricing.
Residents may be able to apply for specialty-specific disability insurance and increase their coverage later as their income grows — without additional medical underwriting.
Residency is often the best window to secure disability insurance. Here’s why many physicians choose not to wait:
Lynn Johnson serves as an authorized consultant and works with physicians in training to review available guaranteed issue options.
You may still qualify for individual disability insurance coverage tailored to your specialty and career stage.
You may be eligible for a Guaranteed Issue disability insurance program designed specifically for physicians in training.
