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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