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    • Home
    • Why Disability Insurance?
    • Quotes & Applying
      • Disability Ins. Quotes
      • PRE-APPLICATION
    • GSI DISABILITY INSURANCE
      • WHAT IS GSI DISABILITY?
      • COREWELL HEALTH
      • WAYNE STATE UNIVERSITY
      • GSI PRE-APPLICATION
    • FAQ
    • About
Get in Touch
  • Home
  • Why Disability Insurance?
  • Quotes & Applying
    • Disability Ins. Quotes
    • PRE-APPLICATION
  • GSI DISABILITY INSURANCE
    • WHAT IS GSI DISABILITY?
    • COREWELL HEALTH
    • WAYNE STATE UNIVERSITY
    • GSI PRE-APPLICATION
  • FAQ
  • About
Get in Touch

GUARANTEED ISSUE (GSI) DISABILITY INSURANCE FOR RESIDENT AND FELLOW PHYSICIANS

GSI Disability insurance programs guarantee coverage to eligible Resident and Fellows without needing medical underwriting. 


Particularly beneficial for physicians with health conditions that could make it more difficult to obtain traditional underwritten policies.


This video explains what you need to know. Submitting a disability insurance application with another carrier before confirming GSI availability can affect eligibility. 


Please contact us to see if your program is eligible

GUARANTEED ISSUE (GSI) DISABILITY INSURANCE FOR EMPLOYERS

One of the best ways to recruit and retain key employees is through a competitive compensation and benefits package. That’s why it is critical for businesses to stay abreast of the latest developments in benefit programs. Supplemental Income Protection Programs offers a flexible and easy way to provide an important benefit to your key employees.  

Income protection they’ll thank you for: 

  • Provides additional income replacement that employees need 
  • Addresses gaps in group coverage due to benefit “caps” and taxability*
  • Coverage is individually owned, issued with fixed rates and fully portable
  • Discounted coverage is issued with just three yes/no questions and no medical exams
  • Coverage for bonus compensation and retirement contributions (including employer contributions) 



Financial Representative of The Guardian Life Insurance Company of America® (Guardian)New York, NY. AR Insurance License#16784420, CA Insurance License #4281559. Sommers Financial is not an affiliate or subsidiary of Guardian. CA Insurance License Number - 4281559. Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. Optional riders are available for an additional premium. Some policy benefits and features are not available to all occupations. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.  The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2026 Guardian. 


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