Skip to Main

Disability Insurance

As part of the comprehensive benefit and wellness programs UT Southwestern offers its residents and fellows, our trainees have an option to obtain a “specialty specific” individual disability insurance policy without any medical underwriting and with discounted unisex rates.

Through these portable policies, residents and fellows are able to protect a greater percentage of income now and guarantee the right to cover additional income throughout their practice years. These “guaranteed issue” options are available to all residents and fellows.

Highlights of this program include:

  • Specialty specific-own occupation definition of disability
  • Monthly benefit amounts between $2,500 and $7,500 depending on individual needs
  • Permanent rate discount on coverage purchased and any future increases
  • Inflation protection (COLA)
  • Optional catastrophic benefit
  • Optional student loan rider

If you are interested in evaluating how this policy can better protect your income during your housestaff program, you can learn more and/or arrange to meet with a local representative of the InsMed Insurance Agency Inc. (the organization UT Southwestern has selected to support this program).

InsMed Insurance Agency Inc. 
Phone: 800-214-7039

We hope you take the opportunity to evaluate how this special offering can protect your income and everything that depends on it now and in the future. 

*24 month mental nervous/substance abuse limitation. 3/12 pre-existing conditions limitation. The applicant must not have been declined or postponed in the seven years prior to the application date, for any individual or group disability income insurance coverage with Standard Insurance Company, or with any other insurance company. This is only a general description/outline of coverage. For specific plan language or to request assistance please contact InsMed Insurance Agency, Inc at, 800-214-7039 or