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Welcome University of Nebraska Medical Center

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Welcome to the Disability Income site designed specifically for the University of Nebraska Medical Center GME Residents and Fellows. Renaissance Financial and its partner, InsureSTAT, are the leading independent insurance specialists in the region. Our focus is providing quality advice while building long term relationships. We are the advisors who manage the HOA sponsored disability programs. We represent all of the major carriers in the industry. Learn more about our financial solutions for Physicians (PDF)

Protect Your Income

Physician Disability Insurance Quote

Your Group Disability Insurance Plan

All residents and fellows are eligible for the group long term disability insurance plan sponsored by your HOA via The Standard Insurance Company. You have 31 days from your start date to enroll in this plan without underwriting. Late enrollees have the option in the fall to enroll for a January 1st effective date. Benefits cover 80% of salary to a maximum of $4,400/month, with benefits payable to age 65.

Guaranteed Issue Disability Income Program (GSI)

There are many carriers you have access to for Disability Income protection. One of them is The Standard who 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 Renaissance Financial will prepare your individual quote and contact you directly.

Graduating GME Residents and Fellows

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 additional all other carriers, such as Principal, Guardian, Ameritas, Mass Mutual, and Ohio National are available options for coverage.

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 UNMC 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 Fellows

We suggest that all Residents consider securing an individual policy without medical review. As a Resident, this will allow you to lock in the first $1,500/month of your individual protection at a younger age. 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 $40.03/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

Plan Benefits

  • Non-cancellable Feature
  • Enhanced Residual Benefit (Partial Coverage)
  • Own Occupation (Protects you in your specialty)
  • 3% Cost of Living Benefit
  • Benefit Increase Rider (BIR) to protect your insurability
  • Family Care Benefit
  • 24 month Mental Disorder and/or Substance Abuse Policy endorsement
  • 3/12 Pre-Existing Conditions Rider
  • 90 day elimination period
  • Catastrophic Benefit of $0, $5000 or $10,000 per month (Your choice)*
  • Student Loan Rider-Benefit from $500 to $2,000 a month. Available in 10 & 15 year terms (Your choice)*
  • Discounted Premiums & Gender Neutral Rates

Short Application Process

  • Simplified application
  • No medical questions to answer
  • No blood or urine exams required
  • No financial information needed

(*Other individual disability coverage may limit this benefit.)
Learn More (PDF)

Guaranteed Issue Eligibility Requirements

[1] Approval is based solely on the eligibility requirements

  • You must be an active GME Resident or Fellow at UNMC
  • 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

Protect Your Income

Physician Disability Insurance Quote

Insurance Logos - Guardian, Ameritas, Principal, Ohio National, The Standard, Mass Mutual
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.