• 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, click here to view the Certificate of Coverage, and here for July 2005 Amendment to Certificate, or request a hard copy of both from the GME office.

*Conversion Policy Features:

• True specialty specific definition of disability (If you are unable to do your job, the plan pays, even if gainfully employed in another occupation)
• Guaranteed issue (No lengthy paperwork, medical exam or questions)
• Premium discount off gender neutral rates
• Partial Disability benefits
• Benefits payable to age 67
• Annual cost of living adjustments
• Special claim procedures for HIV
• Availability of up to $10,000 guaranteed monthly benefit.
  

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 additional coverage. Additional coverage will decrease the amount of the guaranteed-issue policy for which you may be eligible.

Your GBS representatives are
Don Bloomfield; Don_Bloomfield@ajg.com or 303-889-2656
Lynn Johnson, ChFC, CLU; lynnjohnson@thegrid.com, 303-889-2756, cell: 805-750-8438

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.