Medical Resident Disability Insurance at a Discount
Apr 11, 2012
Jamie Fleischner

Jamie Fleischner

11 Apr, 2012

Set for Life Offers Discounts to graduating medical residents around the country.

Set for Life Insurance, a nationally recognized leader in disability insurance, offers discounts to graduating medical residents at various institutions around the country. Discounts are available from multiple companies. These discounts offer between 10-55% depending on the company and gender (women tend to see a greater discount on unisex policies as they pay significantly more on the non discounted policies).

These include (but are not limited to):

  • Medical College of Georgia
  • University of Maryland
  • Carolinas Medical Center
  • Duke University
  • Drexel University
  • University of Alabama
  • University of Cincinnati
  • University of Tennessee
  • University of Utah
  • Oregon Health and Science
  • Vanderbilt University
  • University of Virginia
  • Johns Hopkins
  • Princeton University
  • University of Texas
  • Baylor University
  • Louisiana State University
  • University of Colorado
  • University of Washington
  • Massachusetts General
  • University of Pennsylvania
  • Mount Sinai Medical Center
  • Albert Einstein Medical Center
  • Boston University
  • Ohio State University
  • Oregon Health Sciences
  • University of Arizona
  • Emory University
  • Tulane University
  • University of Chicago
  • Washington University in St. Louis
  • University of Iowa
  • Reading Hospital
  • Medical University of South Carolina
  • University of North Carolina
  • Eastern Carolina University


If your program is not listed, please contact Set for Life to learn about setting up a discount at your program.

Medical residents within 180 days of graduation are eligible to purchase up to $5000/month benefit without income verification. Surgical specialists may purchase up to $7500/month regardless of income or group disability benefits in force. Policies are subject to medical underwriting.

To qualify for the discount, applications must be submitted prior to graduation.

What to look for in a disability policy for medical residents and physicians:

  • Specialty specific language. Also known as “own occupation” or “regular occupation” (depending on the company). This means the policy will pay you benefits if you cannot work in your medical specialty, even if you can work in another specialty or occupation.
  • Non cancelable, guaranteed renewable .This means that once you have your policy, the company can never raise your rates or modify your policy. Most association plans do not have this feature, leaving the premiums precarious to large premium increases in the future.
  • Discounts. If you are able to obtain the same policy for less, take advantage of this opportunity.
  • High company ratings. Look for companies with an A+ or better rating from AM Best to ensure company stability.

For more information about medical resident physician disability insurance or to request a quote comparison, contact the Set for Life Insurance office today!


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