LONG-TERM DISABILITY INSURANCE

Residents and fellows are provided a long-term disability plan at no cost. The coverage is 60% of monthly salary and pays a benefit after 180 days of disability. The plan is offered by Guardian Insurance. There is no enrollment form to complete-enrollment is automatic.

Coverage is portable at the conclusion of residency as the plan can be converted to individual, non-cancellable, guaranteed renewable coverage with no medical underwriting requirements.  Residents may also purchase supplemental coverage during residency.