If you're a resident or fellow at Mayo Clinic, you've invested a lot of time, energy, and money into your training. You're working hard to build a successful career and a bright future for yourself. But have you considered how you would cope if you became disabled and couldn't work?
Disability is an unpredictable and potentially devastating event that can happen to anyone at any time. If you're unable to work due to an injury or illness, you could lose your income and your ability to support yourself and your loved ones. That's why it's critical to have disability insurance coverage that protects your income and future.
Fortunately, there's an excellent opportunity for Mayo Clinic residents and fellows to obtain disability insurance coverage with the Guardian Guaranteed Standard Issue Program. This program offers high-quality coverage with several unique benefits, including:
- Guaranteed issued coverage without medical questions or exams
- Discounts up to 30%
- Enhanced medical specialty coverage that protects you in your specialty as a Radiologist or Pathologist
- Guaranteed coverage amounts up to $7,500 per month, with the ability to increase to $15,000 after graduation
- Personal protection that you keep after you finish your training at Mayo
Perhaps the most significant benefit of this program is that it does not require medical underwriting, meaning you can obtain coverage without exclusions for pre-existing conditions that might otherwise prevent you from getting coverage.
But there's a catch: this program is only available while you're in training at Mayo Clinic, and if you apply to a disability insurance carrier other than Guardian and are issued a modified policy or are declined, you may no longer be eligible for this program. This means that it is important that you speak with me before you apply for coverage anywhere else!
According to a recent study by Milliman1,half of all disability insurance applicants are either turned down (16%) or offered a modified policy (34%) due to pre-existing conditions. If you wait until you're no longer a resident or fellow at Mayo Clinic, you might have a harder time getting disability insurance coverage or be stuck with an expensive policy that doesn't offer the same benefits.
To take advantage of the Guardian Guaranteed Standard Issue Program, you can request a complimentary quote to see how much coverage you can get and what it costs. Once you receive your personalized quote, you can start the application process online and get your income protected.
In conclusion, the Guardian Guaranteed Standard Issue Program at Mayo Clinic is an excellent opportunity for residents and fellows to obtain high-quality disability insurance coverage. With its unique benefits and discounts, this program is an essential investment in your income and future. Don't wait until it's too late; apply for this program today and help secure your future!
1. 2021 Milliman's Annual Survey of the US Individual Disability Income Insurance Market