Individual Disability Insurance Program Available to All UT Houston GME Residents/Fellows

  • A resident's biggest financial risk is the loss of future earnings in the event of injury or illness. Potential loss of income ~$13,732,051*.
  • Approximately 20%** have pre-existing medical conditions or prescriptions that prevent access to coverage in the open market.
  • Females pay 40%-100% higher premium than males without a negotiated unisex discount.

Features of This Offer

  • Speciality specific for all AMA board certified specialities - for full benefit period.
  • Fully portable to any GME program or future employer.
  • Residents can secure up to $6,000 per month of coverage voluntarily at any time during training at UTHSC Houston.
  • Guaranteed access with only two questions***.
  • Up to $15,000 total monthly benefit after trainnig - without further medical review.
  • Full benefits up to age 67 for mental, nervous claims.
  • Premiums are unisex and deeply discounted, permanently.
  • Benefit will be paid in addition to other employer-provided benefits.

Schedule Your Complimentary Consultation Today

*32 year old permanently disabled from specialty with $250,000 income.
** PRS tracking results at UT Houston, UTMB, and JPS from 2009-present.
*** Two gatekeeper questions: 1) Have you missed or altered your work schedule, or worked less than full time during the last 6 months, and 2) Have you ever had or been treated for total loss of sight, hearing, speech or two appendages?

Application, Forms & Instructions

Buy-Up Application

Download Form

Bank Draft Authorization

Download Form

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 $15,000 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