If you’re a medical resident and get turned down for disability insurance, it can be a challenging situation, but you’re not necessarily “screwed.” Here are some steps and options to consider:

1. Understand Why You Were Denied

• Medical history: Insurers may decline coverage based on pre-existing medical conditions.
• Lifestyle factors: High-risk activities (e.g., extreme sports) could contribute to a denial.
• Incomplete application: Errors or missing information might lead to rejection.

2. Appeal or Reapply

• Appeal the decision: Provide additional medical documentation or clarification to the insurer.
• Reapply after addressing issues: Some insurers may reconsider after a specific time or with updated information.

3. Explore Group Disability Insurance

Many hospitals and residency programs offer group disability insurance policies, which:

• Typically do not require medical underwriting.
• May have lower benefits than individual policies but provide baseline coverage.

4. Look for Guaranteed Standard Issue (GSI) Policies

• GSI policies are designed for medical professionals and often:
  • Require no medical underwriting.
  • Are available through employers, medical associations, or special programs.
  • If you are turned down first, you are NOT eligible for a GSI policy.

5. Work with a Specialized Broker

• Disability insurance specialists can help identify:
  • Insurers with more lenient underwriting for your specific situation.
  • Policies tailored to medical professionals.

6. Consider State or Employer Options

• State disability insurance: Some states offer short-term disability insurance.
• Employer-sponsored plans: Check with your employer or residency program for additional coverage options.

7. Plan for the Future

• If you’re declined now, work on addressing the reasons for denial (e.g., improving health, avoiding risky activities).
• Reapply after your residency when you have more options as a practicing physician.

8. Build Financial Safety Nets

• Consider alternative ways to protect yourself financially, such as:
  • Emergency savings.
  • Supplemental insurance products.

Being turned down for disability insurance as a resident is not ideal, but there are steps you can take to secure coverage or mitigate the risks. If you need more specific advice, consulting with an experienced disability insurance advisor is highly recommended.