Exiting Residents

Every year since the JPS supplemental disability insurance program was put in force, a large portion of each year’s 60
exiting residents continue and increase their Ameritas disability insurance policy because of:

  • The superior definition of disability.
  • The guaranteed* access to coverage without the usual underwriting and without restrictions found with other carriers.
  • The significantly reduced premiums

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

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Application, Forms & Instructions

Buy-Up Application

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Bank Draft Authorization

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Summary of JPS Part A
Disability Insurance

  • Each resident secures a $1,250 per month individual disability policy provided by Ameritas.
  • Eligible after 90 days of disability and payable to age 65.
  • The definition of disability that has no restrictions for mental/nervous claims and that does not offset with Social Security or other income.

*Please see the Employee Plan Benefit Summary for complete details

  • 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% mandatory participation, employer-paid.

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