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There are 3 letters that every resident physician should know, in addition to MD and DO.

"GSI"

This is short for Guaranteed Standard Issue.

Not knowing these three letters, or worse, working with an insurance agent who does not have access to them, could be one of the most costly mistakes of your entire career.

WHAT IS GSI?

GSI is an exclusive type of disability policy that allows residents and fellows the ability to secure comprehensive disability insurance without medical underwriting. Hazardous hobbies are also not taken into account. There are only a few knockout questions required to qualify. If you can get through those questions, you are good to go.

WHAT DOES GSI OVERLOOK?

The mental health treatments from medical school and residency.

The medication you took to help get through your boards.

The injury or episode that brought you to the ER.

The back pain that never fully went away.

The sleep issue that keeps you up at night.

The digestive disorder you take immunosuppressants for.

The prescription a colleague provided without a documented appointment.

The medication you stopped taking without your provider's blessing.

The rock climbing you enjoy on your days off.

The scuba diving you do on vacation.

The list goes on and on.

If you can answer the knockout questions, you get a policy. Period.

One important note: make sure there is no pre-existing conditions clause in your GSI policy. Some policies have them. Guardian does not have a pre-existing conditions clause.

HOW RESIDENTS EASILY GET THIS WRONG

If you work with an insurance agent who does not have GSI access, you will be subjected to full medical underwriting. That means every diagnosis, every prescription, every therapy session, every billing code, and every lab value are fair game for the insurance company. If you think disability insurance underwriting is a walk in the park, you may want to reconsider that.

The consequences can be severe and permanent. And once the insurance application is signed, there is no turning back.

You could receive a policy exclusion. That means a specific condition, related conditions, or body parts will not be covered.

You could be rated. That means you are forced to pay significantly higher premiums for lesser coverage.

You could be denied entirely. The insurance company simply refuses to offer you a policy.

Here is what makes this even more devastating. Once you sign an application for a medically underwritten disability insurance policy, there is no going back. That one signature is irreversible and will likely jeopardize your ability to obtain a GSI policy in the future.

Just one signature. That is it.

You have spent years getting to where you are today. Disability insurance is something you cannot afford to get wrong. Do not let an uninformed or unethical insurance professional cost you the ability to protect your future income.

WHO YOU WORK WITH IS EVERYTHING

I am the #1 individual disability insurance broker in the nation with Guardian, and have been for multiple years. I have built my entire practice around one population: physicians. I have GSI access at many teaching hospitals across the country. If I do not have GSI access at your institution and an exclusive GSI arrangement exists, I will refer you to the agent who can help. No commission collected. Just the right thing to do.

If you would like to view some educational content on disability insurance that I have created, feel free to go to YouTube and search "Jay Weinberg Disability Insurance".

There is an epidemic happening in this space. I am committed to making sure you do not make an irreversible mistake on one of the most important financial decisions of your career.

Before you talk to any insurance agent, before you sign anything, before you let anyone process an application, ask them one simple question.

"Do you have GSI access?"

If they pause, if they fumble, or if they try to steer you toward a policy that requires medical questions, that is your signal to walk away and find an agent who can actually protect you.