If you are in your final year of training at Mayo Clinic, and want to protect your income in your medical specialty, you need to act soon.
What is available to me?
You are eligible for a Guaranteed Standard Issue Disability Insurance Policy from Guardian, a leader in the physician disability insurance industry. This is an individual disability insurance policy that you keep after you leave Mayo.
Guardian Life Insurance Company of America is an independent company. Guardian is not an official Mayo Clinic vendor and is not associated or affiliated with Mayo Clinic or authorized, sponsored, or endorsed by Mayo Clinic.
How much coverage can I buy?
You can buy up to $7,500/month in coverage with the option to increase this to $15,000/month once you graduate and qualify financially.
How much will it cost?
The policies are discounted for residents and fellows at Mayo. You can run your own personal quote by clicking on the following link:
If I have a pre-existing medical condition or am on medication, will my rates change or can I be declined?
No. This is a special program available to you through Guardian by virtue of your affiliation with Mayo Clinic. You cannot be declined, have any pre-existing condition excluded from the policy, or be forced to pay extra due to medical history or medication. In fact, there are no medical questions that you will have to answer at all!
Why do I need to act soon?
This program is only available to you while you're in training at Mayo and for a short time after you leave. Once you have left training, you will no longer be eligible for the discounted rates, or the guaranteed issue program. You will be subject to medical underwriting and could be declined or offered a policy with exclusions for pre-existing conditions.
Be sure to get this protection before you leave Mayo!
What if I've already applied with another carrier?
In order to qualify for this program, you cannot have been declined or offered a policy with any exclusions from another carrier. If you have applied with another agent, give us a call at 301-970-4616 to discuss your options.
What if I want more information?
Give us a call at 301-970-4616, or email at email@example.com. You can also click here for more details.
If I'm not in my final year or training, can I still get a policy?
Yes! You don't need to be a final year resident or fellow to get a policy. In fact, the younger you are when you buy coverage, the less expensive it is.
This is a tremendous opportunity to buy the industry leading disability insurance policy for physicians at a discount and without any medical questions or underwriting. Most physicians buy these types of policies to protect their income as they start their careers. I would encourage you to take advantage of this special program before you go.