Protect Your Income, Living Expense Costs, and Debt Payments...STAT!

UNC Medical Center

Welcome UNC Medical Center

UNC Health Care

Welcome to the Disability Income site designed specifically for the University of North Carolina Hospitals GME Residents and Subspecialty Residents.  Mitta Financial Services, LLC and its partner, InsureSTAT, are the leading independent insurance specialists in the region.  Their focus is providing quality advice while building long term relationships.  They represent all of the major carriers in the industry.

Welcome Wake Forest Baptist Health

Protect Your Income

Physician Disability Insurance Quote

New Guaranteed Issue Disability Income Program

There are many carriers you have access to for Disability Income protection. One of them is The Standard who recently has made available for you an Individual policy you can sign up for on a guaranteed issue1 basis.  This program has a true own-occupation definition of Total Disability along with 15% discount and Unisex rates.  Please complete the quote request form and Chris Mitta will prepare your individual quote and contact you directly. Below is a summary for both 2018 Graduating GME Residents and Subspecialty Residents and Non Graduating GME Residents and Subspecialty Residents.

Guaranteed Issue Eligibility Requirements

  • You must be an active GME Resident or Subspecialty Resident officer or Fellow at UNC Medical Center
  • You must have been actively at work 30 hours/week or more for the last 180 days
  • You can’t ever have applied elsewhere and been DECLINED for DISABILITY INSURANCE by another insurance company

2018 Graduating GME Residents and Subspecialty Residents

The guaranteed issue1 feature from The Standard Insurance Company allows up to $5,000/month and is available to those within 12 months of their Graduation date. This plan can be increased to $15,000/month after graduation. In addition all other carriers, such as Principal, Guardian and Ameritas are available for review.

CRITICAL INFORMATION REGARDING ELIGIBILITY IF YOU ARE GRADUATING

We understand and value your independence and freedom to work with any agency to secure valuable disability insurance. However, please note that should you apply with any insurance company and have medical conditions that could exclude you from protection, you could become immediately ineligible for the guaranteed issue1 program that that The University of North Carolina Hospitals has made available on your behalf. We strongly urge you to talk to us before applying anywhere else and risking ineligibility. We provide access to all carriers and all discounts are the same from all agencies. We will go above and beyond by protecting not only your income but your insurability under all circumstances.

Non Graduating GME Residents and Subspecialty Residents

We suggest that all residents consider securing an individual policy without medical review and this will pay a portion tax free. This will help replace what you lose in tax from the Group plan benefit and allow you to lock in the first $1,500/month of your individual protection at a younger age. As a resident, you will pay this cost but it will be fixed and guaranteed and is portable for your whole career. Special rates are the same for males and females. Depending on your age and medical specialty, rates for a 28 year old start at $28.55/month. During the 12 months before graduation you can the automatically increase from $1,500/month to $5,000/month without any medical review or exams.

Sample Monthly Rates

Non Graduating $1,500 Monthly Benefit Non Tobacco

Age

5P

4P

4S

3P

28

40.03

46.82

48.56

64.33

29

40.23

47.07

48.78

64.64

30

40.37

47.21

48.93

64.80

31

41.57

48.64

50.36

66.72

32

42.87

50.16

51.94

68.82

33

44.38

51.92

53.72

71.16

34

46.02

53.85

55.71

73.81

35

47.87

56.03

57.93

76.71

5P – Internal/Family Med, Pediatrics, Endocrinologist, Hematologist
4P – Cardiologist, Dermatologist, General Practitioner, Gastro
4S – Neurologist, Cardiothoracic Surgeon, ENT, Urologist
3P – Anesthesiologist, Emergency, Ortho Surgeons

[1] Approval is based solely on the eligibility requirements

Protect Your Income

Physician Disability Insurance Quote

Guardian, Ameritas, Principal, Ohio National, The Standard
Medical Students

Why Consider Coverage Now?

Top 3 Reasons to Buy a Policy Now

  1. Lock in discounted rates that are fixed for your entire career and won’t be available after graduation.
  2. Avoid medical review by securing the only guaranteed issue1 policy available to include specialty own occupation language and access to more coverage after graduation.
  3. Place individual coverage in force before adding future employer provided benefits. By having individual coverage in place first, you are free to stack future coverage in unlimited amounts.