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UPMC Medical Residents

With all of the disability insurance programs that UPMC Medical Education has to offer you, there is absolutely no reason for you to have “unprotected success”.

The world is your oyster. You are approaching a significant milepost towards your career and you are ready to forge ahead. But protecting your greatest asset – your ability to earn a living – might not be at the top of your list of things to do right now. However, it certainly should be and we have simplified the process. Don’t let this opportunity pass you by. You may never have another chance to lock in your income protection, without medical or financial underwriting, in the event of a disabling illness or injury.

Guaranteed Conversion of your Group LTD to an Individual Policy

UPMC Medical residents and clinical fellows are eligible for this program

During your medical residency or clinical fellowship, you have been covered by a group long-term disability income policy. In addition to providing you income protection during your training, this policy also offers you a guaranteed conversion to an individual policy upon completion of your training. What this means to you – at this very busy time of your life – is that you can take the necessary steps to help protect your career and future income in an easy and convenient manner. This coverage may be obtained by you without providing a health history, without undergoing a physical examination or blood work and without any possibility of being excluded because of a pre-existing condition.

Highlights of this individual policy include guaranteed standard issue of up to $4000.00 in monthly benefits for total disability  protection; Protection of your Medical Specialty and Residual Disability Benefits (partial disability) to age 65; Non-cancellable-Guaranteed Renewable to age 65; Benefit period to age 65 – Sickness and Accident; Standard Rates. Your eligibility for this program expires 30 days after your completion date. This program provides convenience for some and a safety net for others. Don’t wait, inquire today.

In addition, you may be eligible for higher levels of coverage (up to $16,000.00 monthly) through our Residents and Fellows Discount Program.

Guaranteed Standard Issue Disability Insurance Offer

All UPMC medical residents and fellows (including those in non-accredited programs) may enroll in this program at any time during their training.

This program allows you to obtain a personal disability insurance policy that pays up to $10,000 a month tax free – on a guaranteed issue basis.

Highlights include:
True Own Occupation – Specialty Specific
Portable Policy – 20% Permanent Discount
$3,000 Minimum Monthly Benefit – $10,000 Maximum Monthly Benefit
Residual (Partial) Disability Rider
3% Cost of Living Adjustment Rider
Future Increase Option
Catastrophic Disability Rider available with qualifying questions
90 Day Elimination Period
Benefits Payable to Age 67
Level Premiums and Graded Premiums Available

Higher monthly benefits are available through the UPMC ME Resident’s and Fellow’s Disability Insurance Discount Program. It is recommended that you do the Guaranteed Standard Issue Program first.

Any resident or fellow who has been declined for disability insurance in the past 2 years may not eligible for this program until 2 years from the date of the decline. Therefore, you are encouraged to look into this program as soon as possible so that you do not have to wait or miss out completely. Contact us for details.

Residents and Fellows Discounted Insurance Program

All UPMC residents and fellows (including those in non-accredited programs) may enroll in this program at any time during their training.

You may choose to protect your earning power with an even more flexible disability insurance plan. This affordable, portable individual disability insurance policy is eligible for a permanent 10% employer sponsored discount and allows for up to $17,000.00 monthly benefits. This is a medically underwritten plan and a physical examination and health history disclosure are required. If you choose to include the Future Increase Option on your policy, you may increase your coverage (up to $17,000.00) without providing additional medical information.

Highlights of this policy include potential monthly benefits of up to $17,000.00 with protection of your Medical Specialty Residual benefits to age 65; Non-cancellable-Guaranteed Renewable to age 65; Benefit periods to age 65, age 67 or lifetime – Sickness and Accident; Standard Rates apply. Additionally, Cost of Living, Catastrophic and Retirement Protection Benefits are also available.

Call today and discover why UPMC Medical Education trainees and graduates choose Hurley Associates.

Again – we get you. We’ve seen and understand the different financial stages that you will go through in your lifetime. You’ve just finished training and your income has increased significantly. But, you have a new job and new responsibilities. You have anxiety about loans. You could be packing up and moving across the country. You are buying your first home. You are finally trading in your 1998 Toyota for a new car. You are paying for your wedding. You may be expecting your first child. Your spouse is still in training or perhaps returning to school.

Although still unrealized, you now have a signed contract that will be providing you with more income in one year than you have earned in all your residency and fellowship combined. It will take some time to recognize the full impact of that income and to grow into the expenses that will accompany it. And looking ahead, perhaps the time will come for a partnership buy-in, another child and a bigger house.

A very large percentage of our clients are physicians. In other words, we are physician specialists. It should be clear that we have a very good understanding of the challenges that you face now and will continue to face as you advance through your career. With more than 25 years of experience in this unique marketplace, including a close and ongoing relationship with UPMC, we have gained extensive experience and look forward to sharing that experience with you.

Speak with a UPMC Medical Education disability insurance brokers today.