UT Health Science Center Disability Insurance

UT Health medical students in their 3rd and 4th year are eligible for physician-specific disability insurance at significantly discounted rates.

Why Disability Insurance?

• A student who suffers a disability and is unable to complete their education will be saddled with student loan debt and may not be able to work in any field.
• Repayment of student loans combined with medical expenses and lack of income due to disability can destroy a financial future.
• Approximately 30% of all people ages 35 to 65 will suffer a disability for at least 90 days, and about one in seven can expect to become disabled for five years or more.
• A simple needle stick could end a career and result in millions of lost income.

Why Disability Insurance Now?

• Rates are based on age – the younger a person is when the policy is purchased, the less expensive it will be over their entire career. This can equate to $1,000’s of savings over the life of the policy.
• A person’s health status effects eligibility and premiums – issues like back problems, injuries and psychiatric medications can limit or prevent eligibility for coverage. The best time to buy a policy is when a person is young and healthy. Waiting could limit or preclude a person from ever getting disability insurance.
• Many policies contain a feature that allows for the benefit to be increased in the future regardless of health status. This means the insurance company cannot deny future increases in coverage based on medical conditions. This is a key benefit of obtaining a policy early in one’s career.
• The policy is owned by the medical student. Coverage can be maintained throughout one’s entire medical career.

It’s Easy and Inexpensive to Get Started!

• Plans starting at less than $50/mth
• Currently, only 3rd and 4th year medical students are eligible for coverage with a maximum monthly benefit of $2,500.