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Welcome to the University of Colorado School of Medicine on the Anschutz Medical Campus. A Top Ten Medical School, our departments, centers and institutes work with the University of Colorado Hospital, The Children's Hospital and Barbara Davis Center.

Graduate Medical Education
 

Long Term Disability Insurance


Group Coverage Highlights:

  • Resident pays no premium for this coverage while in training.
  • Plan is offered by the Standard Insurance Company, AM Best A rated company.
  • Monthly disability benefits payable beginning the 91st day of disability.
  • Benefits generally are payable to age 65 as long as you remain disabled.
  • Monthly benefit levels:
               PGY I & II $3,000
               PGY III & IV $3,500
               PGY V & above $4,000
  • Guaranteed issue (no medical exam, tests, etc.) group-to-individual conversion policy (and increase in coverage) offered to residents exiting GME with successful completion of training program.*


For complete details, please view the Certificate of Coverage and the July 2005 Amendment to certificate. The updated July 1, 2014 certificate will be posted when available. Please contact GME Benefits Office with questions.

Conversion Policy Features:

  • True "specialty specific" definition of disability. This definition will protect you, even in a sub-specialty.  If you are unable to do your job, the plan pays, even if gainfully employed in another occupation.
  • Up to $5,000/month individual tax-free benefit, plus an additional $10,000 benefit based on financial qualification.
  • Guaranteed issue.  No lengthy application, medical exam, health or activity questions. No pre-existing conditions.* 
  • Substantial premium discount exclusively for GME Residents and Fellows.  Up to 50% reduction in rates. 

     

  • Partial/residual disability benefits.  Benefit proportional to income loss due to illness or injury.
  • Benefits payable to age 67.
  • Premium remains constant to age 67. 
  • Annual cost of living adjustments while disabled.   
  • Special HIV coverage provision.   
  • One of only a few residency training programs in the nation to provide this type of benefit.
  •  May be combined with and will not be reduced by typical, employer-sponsored, group disability plans​.   


 

*Please be aware that if you choose to apply or have applied for coverage outside of the GME disability program in the past 7 years and that coverage has been postponed or declined you will be ineligible to participate in the GME disability conversion program.

The GME long-term disability policy is administered by Gallagher Benefit Services (GBS) a professional brokerage/benefits consultation firm under contract with GME. The GBS representative is completely versed on the intricacies of the CU GME group and conversion policies; and is available to answer your questions, compare this policy and outside policies, and see how to best serve the needs of the residents, whether during residency, or at program completion. A resident considering any long term disability product is encouraged to take advantage of this service before purchasing outside coverage. Outside coverage will decrease the amount of the guaranteed-issue policy for which you may be eligible.

Your GBS representatives are Lynn A. Johnson, ChFC, CLU at 805-750-8438, and Don Bloomfield at 303-889-2656. GBS representatives are the only representatives authorized by the insurance carrier and GME to provide this conversion product.

Note: This represents highlights for information purposes only. The Master Contract contains all of the controlling provisions of this coverage.