Check GSI Disability
Individual Disability Insurance Without Medical Questions for Eligible Physicians and Dentists
Certain physicians and dentists may qualify for access to Guaranteed Standard Issue (GSI) disability insurance through their residency program, fellowship, employer, or institution. These programs may allow eligible physicians and dentists to secure high-quality individual disability insurance without medical questions or exams.
Key Benefits May Include:
• No medical questions or exams
• True own-occupation coverage
• Specialty-specific policy language
• Permanent resident and fellow discounts
• Ability to increase coverage later without medical underwriting
• Individually owned and portable coverage
Why Timing Matters
Many GSI opportunities are only available during training or through select institutional affiliations. Once eligibility is lost, access to these programs may no longer be available.
In addition, eligibility for certain GSI programs can be affected if you apply for disability insurance elsewhere first and receive a modified offer, exclusion, or decline. For this reason, it is beneficial to determine whether a GSI opportunity is available before applying for coverage elsewhere.
Check GSI Availability
Complete the form below to find out whether your hospital, residency program, or employer currently offers access to a GSI disability insurance opportunity.
An RTR Wealth advisor will review your information and follow up with available options.