Disability Insurance Quotes

There’s a little-known GSI guideline we like to call the “Vegas Rule.”

If you applied for disability coverage with another carrier before starting residency (or within the first 9 months) and were declined or offered exclusions/modifications… Guardian still allows you to enroll in their Guaranteed Standard Issue (GSI) offering at your school.

In other words: past underwriting doesn’t shut the door on protecting your future income - but you have to act within the first 9 months of training.

For residents at Clinic and other GSI-eligible hospitals, this can be a career-saving exception.

👉 www.disabilityquotes.com/physicians

One of the most common mistakes I hear from new attendings is:

“I thought my employer’s long-term disability policy was enough.”

The reality? Employer coverage often has gaps:
– It usually doesn’t move with you if you change hospitals.
– Benefits are typically capped.
– It may not cover specialty-specific definitions.

That’s why many residents secure Guardian’s Guaranteed Standard Issue (GSI) coverage during training—portable, specialty-specific, and guaranteed with no medical questions.

If you’re at Health, you can learn more here: 👉 www.disabilityquotes.com/physicians

If you had to choose your most valuable asset, what would it be? Maybe your home, your car, your savings? The truth is, it’s your ability to earn an income. It’s what makes everything else possible.

Your Most Valuable Asset