The disability plan protects you in case you become disabled. If you become totally disabled as defined in the policy, you can receive a monthly benefit starting on the 91st consecutive day after disability begins and continuing until disability ends, the date of death, until required proof of disability is not provided or Social Security retirement age. However, benefit payments for disability due to mental or emotional conditions, alcohol or drug abuse, as defined in the policy of insurance, for which treatment is received on an out-patient basis will be limited to a total of 24 payments in your lifetime. But, if at the end of benefit payments as described above, you are being treated for the cause of your disability as an in-patient in a qualified institution our payments will be extended as defined in the policy of insurance.
Disability monthly benefit amounts:
- $1,500 for all medical students.
- An annual cost of living benefit equal to 3% of your net monthly benefit after 48 months of disability.
All premium payments are waived for your long term disability income insurance which fall due while disability payments are being paid.
If you become totally and permanently disabled, as defined in the policy of insurance, you are eligible for the following benefits:
- Repayment of all eligible debt, up to $200,000, that you are legally liable to repay to a financial lending institution for college and/or medical education expenses.
- A critical disability supplement that increases your monthly benefit to $3,000 for all students.
- Lump Sum Benefit of $5,000.
- Survivor Benefit of three times your last monthly benefit. (Refer to policy for details.)
This plan also includes a conversion privilege to continue your disability insurance when you begin residency training. Physicians beginning a residency may convert to a monthly benefit of $2,000. Premiums will increase and the resident will be billed for the resident disability plan on an individual basis. Premium payments must be made in a timely fashion as defined in the policy or the coverage will terminate. For details regarding your conversion privilege please contact Health Sciences Assurance Consulting, Inc.
Student Assistance Program: Guardian provides the following confidential services to students as part of the Disability plan:
- Telephonic consultation with an SAP Counselor
- 3 free sessions with a local counselor
- Web site with information on wellness, a legal and financial center and more
For additional information, please contact Guardian Work Life Matters at (800) 386-7055 or online at www.ibhworklife.com.
Pre-existing conditions: A pre-existing condition is a sickness or injury, including all related conditions and complications, for which, in the 3 months before your insurance under this plan starts, you: (a) receive advice or treatment from a doctor; take prescribed drugs; or receive other medical care or treatment, including consultation with a doctor; or (b) exhibit symptoms which would cause an ordinary prudent person to seek medical advice, diagnosis, care or treatment. We do not pay benefits for disability caused by such a condition unless it starts after you are insured under this plan for 12 consecutive months.
A pregnancy which exists on the date your insurance under this plan starts is also a pre-existing condition.
If this plan replaces another plan, the pre-existing condition limitation shown above will not apply if you: (a) were insured on the day before this plan started under a long term disability plan the plan sponsor had with another insurer; and (b) meet the requirements as defined in the policy of insurance.
What is not covered: We do not cover any period of disability caused, directly or indirectly, by: (a) declared or undeclared war or act of war or armed aggression; (b) your service in the armed forces, National Guard, or military reserves of any state or country; (c) your taking part in a riot or other civil disorder; (d) your commission of, or attempt to commit, a felony; (e) your unlawful use or threat of force on another person without his or her consent; (f) intentional self-injury or attempted suicide while sane or insane; (g) job related or on-the-job injury; or (h) conditions for which benefits are payable by Workers’ Compensation or life laws.
We do not pay benefits for any period during which you are confined to any facility as a result of your conviction of a crime or public offense.
We do not pay benefits for any period during which you are not under the regular care and treatment of a doctor.
We do not pay benefits for any period of disability which starts before you are insured by this plan. In addition, no benefit will be payable for any period during which your loss of status as a regular full-time student is not due to your disability.
For questions regarding your disability insurance plan please call:
Health Sciences Assurance Consulting, Inc. 1-888-978-8355
This brochure is a summary of benefits. The Certificate of Coverage contains a complete listing of benefits, limitations, exclusions and a description of the terms and conditions of coverage. The Certificate will govern and control the payment of benefits. UOKMS/DI/11