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Student Disability Income Insurance
Disabling accidents and illnesses can happen at any time, to any one.
With tuition and limited income, it's important to have the ability to be financially assisted if a disability prevents you from continuing your education.
Take this opportunity to help protect yourself against the financial impacts of a disability.
Student Disability Income Insurance
- Only $41 a year
- Pays you $1,000 a month for up to 12 months if a total disability from a covered illness or injury prevents you from attending classes.
- The benefit is paid directly to you in addition to any other health benefits you may receive, and can be used for any purpose such as living expenses, tuition, or student loans.
- No medical exams or health questions are required.
You'll have the option to continue disability income coverage after graduation at standard rates, if you become a full-time resident.
You have enough on your mind right now without having to think about the prospects of a disability keeping you away from your medical school studies.
Student Disability Income Insurance Coverage Details
Features & Benefits
This coverage is available to eligible medical students for an affordable $41 a year. It's an excellent value for the amount of coverage you receive-- $1,000 a month to help see you through a disabling illness or injury.
Acceptance in this plan is guaranteed during the annual open enrollment period (July 1 through December 31) for eligible medical students.
Monthly Benefits for Total Disability
If you cannot attend classes due to a disabling illness or injury, you can receive monthly cash benefits of $1,000 for up to 12 full months.
Your monthly benefits begin after a 30-day waiting or "elimination" period. The elimination period begins on the first day of a total disability.
Definition of Disability
This plan defines total disability as a sickness or injury that prevents you from attending classes and performing the normal duties of a medical student, and requires the regular care and attendance of a physician other than yourself or a family member. The disability must begin while you are actively engaged full-time in the school's curriculum and while covered under the plan. Benefits will not be payable for more than one disability at the same time, regardless of multiple causes.
Coverage May Continue After Graduation
If you are insured under this Student Disability Plan and you apply to change class designation from a Student to a Physician within three months after graduation, you will be accepted (provided you are not disabled and are practicing full-time) for up to $2,000 in monthly benefits, with no physical examination required or health questions to answer.
As long as you are under age 40 and a full-time student of a medical school or an osteopathic medical school approved by an accrediting agency, you're eligible for this coverage.
Your coverage will be effective on the first day of the month after we receive your enrollment form provided eligibility requirements are met and the premium is paid when due.
Renewability and Termination
You can renew this student disability insurance plan during medical school as long as eligibility is maintained, the premiums are paid when due, the group policy remains in force and the American Medical Association continues to sponsor this program.
This Plan does not cover disabilities caused by or resulting from: Intentionally self-inflicted injuries or any attempt thereof, while sane or insane; the use of any narcotic drug or other substance which is (a) subject to the Federal or the various state controlled substances acts, unless the prescription shall have been written by a Physician other than you, or (b) required by law to be dispensed by prescription only and used for other than a bona fide medical purpose as it relates to you or for other than the treatment of an existing medical condition; normal pregnancy and childbirth. This does not include complications of pregnancy which are covered in the same manner as any other illness or sickness covered by this plan. Benefits will be payable either for injury or for sickness, but not for both, during any concurrent periods of disability.
This insurance plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY, 10281, licensed in all states, plus the District of Columbia, except Puerto Rico. This is a brief summary of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-208, 475 and Form No. G-19000. Coverage may vary or may not be available in all states.