Disability Insurance Available to Medical Students (updated 1/2012)

For questions or comments, please e-mail ms.studentaffairs@uth.tmc.edu or call 713.500.5160.

The University of Texas Medical School does not require students to have disability insurance, but strongly recommends that students consider whether they should purchase their own coverage.

This information is subject to change without notice. Please call the contacts listed to verify provisions of coverage and premium rates.

	American Medical Association	Prudential/Texas Med Association Ins. Trust	Principal Financial Group	The Standard	Metropolitan Life	Guardian/Berkshire
Underwriter	The United States Life Insurance Company	Prudential	Principal	Standard	Met Life	Berkshire
Eligibility	All medical students under 40	TMA members (MS I - IV)	MS III & MS IV	MS III & MS IV	MS III & MS IV	MS IV
Premium	$41/year - enrollment period 7/1-12/31	$4/mo. for $1,000/mo. coverage $8/mo. for $2,000/mo. coverage	Unisex rates	Gender specific rates	Gender specific rates
Discounts & Underwriting Requirements			20% discount Labs required if the Benefit Update rider is applied for	10% discount No income documentation Need labs to apply	10% discount Need labs to apply	TMA discount
Maximum Benefit Available	$1,000/month	$2,000/month	$2,500/month	$2,500/month	$2,500/month	$2,500/month
Definition of Total Disability	This plan defines total disability as a sickness or injury that prevents you from attending classes and performing the normal duties of a medical student, and requires the regular care and attendance of a physician other than yourself or a family member. The disability must begin while you are actively engaged full-time in the school's curriculum and while covered under the plan. Benefits will not be payable for more than one disability at the same time, regardless of multiple causes.	Own occupation for up to 2 years (means you may receive benefits for 2 years if your disability presents you from being in medical school and you are not working)	True own occupation Unable to perform substantial material duties of your occupation. Full benefits even if working elsewhere.	True own occupation Unable to perform substantial material duties of your occupation, even if gainfully employed.	True own occupation Unable to perform substantial material duties of your occupation, even if gainfully employed.	True own occupation: if you are unable to perform the material and substantial duties of your medical specialty
Residual or Partial Benefits			Yes	Yes	Yes	Yes
Nervous/Mental, Drug, Alcohol abuse claims	Excludes controlled substances		Limited to a 2yr benefit period.	Payable for full benefit period	Payable for full benefit period	Payable for full benefit period
Contact	http://www.amainsure.com/products/disability-protection/student-disability-income-insurance.html Call 1-888-627-5883 (M-F, 8a-5p)	http://www.tmait.org/personal-and-family/disability-and-accident/long-term-disability-insurance/ TMA Advisor 1-800-880-8181 (M-F, 7:30a - 5:30p)	Anne M. Day, RHU, LTCP and T. Jeffrey Przybyla, CLU LIFE BROKERAGE INC. 13644 Breton Ridge, Suite B Houston, Texas 77070 281-469-4400 or 800-338-7138 jeff@lifebrokerageinc.com www.lifebrokerageinc.com			Dawn Dellinger The Guardian-Wealth Design Group 3040 Post Oak Blvd, Suite 400 Houston, TX. 77056 281/220-2706 office 281/731-5851 cell Dawn_Dellinger@glic.com

Disability Insurance Available to Medical Students (updated 1/2012)

Underwriter