Medical residency is one of the most exciting and intense times in your medical career. You’re working long hours, learning on the job, and trying to plan for your future. One thing you shouldn’t overlook? Protecting your income with the right disability insurance.
That’s where GSI, or Guaranteed Standard Issue disability insurance, comes in.
GSI DISABILITY INSURANCE EXPLAINED
What Is GSI?
GSI stands for Guaranteed Standard Issue. It’s a type of individual disability insurance policy that’s offered without any medical underwriting—meaning you can get coverage with no medical exams or health questions.
It’s typically made available to medical residents and fellows at select hospitals through special programs negotiated by brokers like Set for Life Insurance. If you’re eligible, it’s one of the simplest and most affordable ways to lock in long-term disability coverage.
Why Does GSI Matter for Residents?
With GSI:
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✅ You’re guaranteed coverage, even if you have a health condition. No medical questions are asked on the application.
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✅ You lock in discounted rates that carry forward for life—even when you increase your coverage later.
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✅ You’re covered with true own-occupation language, which protects your income even if you can work in another specialty.
- ✅ You may increase your policy benefits up to $15,000/month in the future with no medical questions.
Plus, GSI policies are portable. That means if you leave your hospital or go into private practice, your coverage goes with you.
IMPORTANT: It is important to note that if you apply for an individual disability policy that is medically underwritten and are turned down or have some type of exclusion, you may NOT apply for a GSI policy. Therefore, you MUST APPLY FOR THE GSI POLICY FIRST.
Who Is Eligible?
GSI policies are available at more than 150 hospitals and institutions nationwide. If you’re a resident or fellow, you may be eligible to enroll—but only while you’re still in training. Once you finish your training, the window closes—and the chance to get coverage without medical questions disappears.
How to Enroll
The process is simple:
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Visit www.setforlifeinsurance.com/gsi for more information.
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START YOUR APPLICATION HERE before your program’s deadline—typically before June 30th of your graduation year.
With no health questions, guaranteed approval, and permanent discounts, this is your chance to secure your future with confidence.
📆 Don’t wait—check your eligibility and get started today.