More than 200 training institutions already offer their residents Guaranteed Standard Issue disability coverage. No medical underwriting. No exam. In most cases, a permanent discount. It is not offered at UNLV yet. Join the free live webinar on Saturday, August 29 at 10:00 a.m. PT to see how GSI works and what it takes to bring one here.
Saturday, August 29 at 10:00 a.m. PT
Open to UNLV residents and fellows. No cost, and no obligation.
After you register, watch for two emails. A confirmation arrives within minutes. Your join link arrives in a second email when the session starts on Saturday, August 29.
We use your details to send the training and to gauge resident interest in a GSI program at UNLV. We never sell your information. See our Privacy Policy.
Individual disability insurance runs full medical underwriting. The carrier reviews an applicant's complete records before it prices anything. Guaranteed Standard Issue skips that step, because the training program negotiates terms up front for everyone in it.
A Milliman study found 55% of residents who apply for individual disability insurance hit a problem. Underwriting changes the terms, attaches a limitation, or declines the application outright.
Residents rarely learn this until the decision letter arrives. By then the file exists, and the next carrier asks whether anyone declined you before.
GSI qualifies you on training status, not on health. That status has an expiration date printed on your contract.
Physicians who wait until attending pay arrives find the door already shut. Nobody reopens it, and no amount of income buys the exception back.
GSI programs typically carry a permanent discount, often up to 30%, that stays with the policy for as long as you keep it. Terms vary by program.
Every year of delay raises the age the pricing keys off. That gap rarely closes, and it compounds quietly across a thirty year career.
Programs do not appear on their own. Carriers set a participation threshold, and someone has to show them the numbers.
Each registration documents one more interested resident or fellow. The count is the entire argument, so the list does the persuading.
We present the documented interest to multiple carriers and ask what terms they will write for UNLV. Independence means we compare rather than pitch one option.
If a carrier offers terms and the program signs off, eligible residents and fellows enroll during an open window. Nothing here is automatic, and every step stays optional for you.
GSI stands for Guaranteed Standard Issue. It is disability insurance offered through a residency or fellowship program with no medical underwriting. Your training status is what qualifies you.
Not yet. Enough documented interest from residents and fellows is what opens that conversation with carriers, and the webinar explains exactly how the process works.
Nothing. The webinar is free, and it carries no obligation to apply for or buy any coverage.
Saturday, August 29 at 10:00 a.m. PT. It runs live and we take questions. Register now and your join link arrives by email when the session starts.
No. GSI programs skip medical underwriting entirely, which is the whole point of the format. Individual policies work differently and apply full underwriting.
No. Registering signals interest in a GSI program at UNLV. You decide later whether any coverage fits your situation.
In most cases, yes. Group coverage through a training program typically replaces a limited share of income and rarely follows you when you leave. The training covers where those gaps usually sit.
Fellows in ACGME training generally qualify alongside residents. Eligibility rules vary by program and by carrier, so confirm your specific situation with us.
You get two emails. A confirmation lands within a few minutes and verifies your registration. A second email carries your join link, and it arrives when the webinar starts.
An independent, multi-carrier disability insurance brokerage with more than 10 years serving physicians, residents, and fellows nationwide. Independent means no single-carrier bias.
Bring your questions. Then decide whether a GSI program at UNLV is worth your name on the list. Registering costs you nothing and commits you to nothing.
Save my seatQuestions first? Email joe@coreprotectionpartners.com.