Exiting Residents

Every year since the UT supplemental disability insurance program was put in force, a large portion of each year’s 350 exiting residents continue and increase their Ameritas disability insurance policy because of:

  • Superior definition of disability.
  • Guaranteed* access to coverage without the usual underwriting and without restrictions found with other carriers.
  • Significantly reduced premiums

*Please see the Employee Plan Benefit Summary for complete details.

Non-Exiting Residents & Fellows

During these post-graduate years of training, your income is low and consequently the disability benefits are inadequate.  Your UT base disability insurance is not enough to assure your anticipated lifestyle that you have invested so much time, energy and money into.

Many residents/fellows choose to secure higher levels of protection to help insure the anticipated standard of living they will soon have, even if they become sick or hurt during their final years of training.

  • UT-Houston residents/fellows can increase their $1,000 personal policy to as much as $6,000 per month of coverage at any time during training.
  • No blood/urine is required and you can only be denied if 1) you are currently disabled or 2) have missed work in the last 6 months due to a significant injury or illness. Even a history of cancer or diabetes does not disqualify you, if you have not missed work in the last 6 months.
  • The coverage has the specialty specific definition of disability that does not offset from other “earned income” or Social Security benefits.
  • Your premiums are unisex and deeply discounted permanently.
  • Your policy is fully portable to anywhere in the US and will pay IN ADDITION to future employer-provided benefits.

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Application, Forms & Instructions

Buy-Up Application

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Bank Draft Authorization

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Summary of UT Part A
Disability Insurance

  • Each resident secures a $1,000 per month individual disability policy provided by Ameritas.
  • Houston applications must be completed on the UT Houston New Innovations platform.
  • Eligible after 90 days of disability and payable to age 67.

*Please see the Employee Plan Benefit Summary for complete details

  • The definition of disability that has no restrictions for mental/nervous claims and that does not offset with Social Security or other income.
  • Fully portable to any state.
  • Ability to increase to $6,000 of coverage during training and up to $10,000 after training with no labs required and only two medical history questions.
  • 100% participation required, $37 monthly payroll deduction for UT-Houston.

Download Summary Plan Document

Causes and Chances of Disability

 

4.5%

Number of individuals between 21 and 64, with a BA degree or higher, who reported a disability in 2011.1

 

95%

The Approximate number of disabilities are caused by illnesses rather than accidents.2

 

6.5%

Number of doctors, aged 21 to 64, that will incur a disability lasting longer than 90 days. Between the ages of 30 and 34, the length of disability goes up to an average of 78 months.3

 

Over 70%

The percent of individuals that say a disability (which prevents them from working) would likely be caused by a serious accident, when more than 90% of disabilities are actually caused by illness.4

Common causes of individual disability insurance claims are:

Source: Principal Life Disability insurance claims payments issued in 2011. The above is for illustrative purposes only and is not intended as an inclusive representation of all claims.

Learn More About UT Medical Foundation Benefits for Part A Disability

1. Erickson, W., Lee, C., von Schrader, S. (2013). Disability Statistics from the 2011 American Community Survey (ACS). Ithaca, NY: Cornell University Employment and Disability Institute (EDI). Retrieved Mar 07, 2013 from www.disabilitystatistics.org
2. Council for Disability Awareness, “Disability facts you should know”, December 2011?
3. Council for Disability Awareness- Personal Disability Quotient
4. Council for Disability Awareness 2010 Consumer Disability Awareness Study