Ohio Health Resident's

Anticipated to launch on October 1, 2024, The Guardian Life Insurance Company of America (Guardian) is making a special offer to the Residents and Fellows training at OhioHealth. You may obtain Individual disability insurance coverage through Guardian on a Guaranteed Standard Issue (GSI) basis. This is available anytime during your residency or fellowship and up to 90 days after you complete your training.

Guardian is an independent company. Guardian is not an official OhioHealth vendor or associated with, authorized, sponsored, or endorsed by OhioHealth

• A Definition of Disability - Just for Physicians!
  • Not Available Anywhere Else In The Industry.
• Student Loan Protection
• Catastrophic Disability Benefits

Should you apply with another company before Guardian, it could prevent you from being eligible for Guardian's Guaranteed Standard Issue (GSI) offer. Obtaining personal disability insurance without a pre-existing condition exclusion or rating is not easy without a GSI offer. Should you apply with another company first, and that application results in an exclusion rider, extra rating, or decline, you would not be eligible for the Guardian GSI offer. Applying with another company when you know a GSI offer exists is gambling with your financial future. It is never a good idea.

• In addition to pre-existing medical conditions, Special GSI policies can be issued without consideration of potentially dangerous avocational activities such as rock climbing, motor sports, scuba diving, skydiving, and martial arts.
• Height and Weight (build) are not taken into consideration.
• Optional Catastrophic Disability Benefits (CAT) and Student Loan Riders (SLR) are available.
• This unique benefit is available to individuals who have not been declined or given a modified offer of individual disability insurance through a carrier other than Guardian more than nine months after their hire date or in the past five years, whichever is shorter.

This is some of the strongest, most flexible protection a physician can get—it's not available anywhere else in the industry!

Our enhanced definition starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, it gives a physician the flexibility to be gainfully employed, sometimes even in their own practice, and still receive total disability benefits. Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on your earnings source and provides more ways to qualify for total disability benefits.

We’ll consider you totally disabled if more than 50% of your income is from:

• Hands-on patient care and, solely because of injury or illness, you can no longer perform hands-on patient care; or
• Performing surgical procedures and, solely because of injury or illness, you can no longer perform surgical procedures.

If you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, we will deem that specialty to be your occupation. Suppose you don’t qualify for benefits under the source-of-earnings formula above. In that case, we’ll look at your key duties, including those you performed in your medical specialty when your disability began, to assess whether you qualify.

Guardian is one of the premier disability insurance companies for physicians nationwide. There are Guardian GSI disability insurance offers for Residents and Fellows at OhioHealth and 70+ other premier hospitals nationwide.

If you require additional information or would like to discuss your options in detail, feel free to call

No medical questions for eligible applicants.