What is Guaranteed Standard Issue (GSI) Disability Insurance?
Guaranteed Standard Issue (GSI) disability insurance gives you true own occupation coverage, no medical exam, no labs, no income verification, and no health questions.
In short: If you’re a resident or fellow in a participating program, you’re approved based on your training status, not your health history.
Why this matters: According to the Milliman 2024 Individual DI Market Survey, only 47 percent of traditional disability insurance applications were approved as submitted. Nearly 1 in 5 were declined, and 1 in 3 were issued with modifications, waivers, or higher pricing.
If you’ve ever been declined, rated, or withdrawn a pending application, you may not qualify for GSI. And based on the data, that’s not exactly rare.
Why Most Physicians Don’t Hear About GSI
GSI isn’t widely advertised. Many HR and GME offices don’t even know it exists.
Some insurance agents don’t mention it either, especially if they don’t have access to the GSI policy at your institution. Because GSI policies are often tied to specific agents or firms, they won’t show up unless you’re talking to the right person.
So if no one has mentioned GSI to you, it’s not necessarily their fault. But now you know it exists, and it might be your only shot at disability insurance without medical underwriting.
The Simplest Way to Get Disability Insurance During Training
Want own occupation disability insurance with no bloodwork, no health questions, and no income documents? GSI makes that possible, but only for a limited time.
It’s available for eligible residents and fellows during training or shortly after graduation. Once that window closes, it’s gone.
Why Disability Insurance Is So Important (Even If You’re Young and Healthy)
Ask yourself:
-
-
Would you rather have wealth and poor health?
-
Great health and no money?
-
Or worst of all, poor health and no money?
-
Disability insurance helps bridge that gap. Disability insurance protects your income if you get sick or injured and can’t work. For physicians, true own occupation coverage ensures you still get paid if you can’t work in your specialty, even if you switch to another job or field.
Your Income Is Your Biggest Asset
Here’s why it needs protection:
-
-
Only 47% of traditional applications are issued as applied
-
A rating or denial can disqualify you from GSI
-
Employer coverage is often taxable, limited, or non portable
-
Health changes can make it harder or impossible to get covered later
-
Delaying coverage usually means higher premiums
-
What Makes GSI Different?
GSI policies allow you to skip all the usual underwriting:
-
-
No medical exam
-
No labs
-
No income verification
-
No health questionnaires
-
No questions about hobbies or travel
-
If your program offers GSI and you apply within the timeframe, you’re in! Even with pre existing conditions.
Bonus: These policies are portable, include true own occupation definitions, and often come with a future increase option so you can boost your benefit later without reapplying.
Important Notes:
-
-
Most GSI policies limit mental health and substance related claims to 24 months
-
Some include a pre existing condition clause: if you saw a doctor in the 3 months before your policy starts and file a claim in the first year, it could be denied
-
GSI vs Traditional Disability Insurance
Feature |
GSI (Guaranteed Standard Issue) |
Traditional Policy |
|---|---|---|
Medical Exam Required? |
No |
Yes |
Health History Considered? |
No¹ |
Yes |
Financial Info Required? |
No |
Yes |
Can Be Denied? |
No² |
Yes |
Pre-Existing Conditions Covered? |
Yes³ |
Often excluded or rated |
Hazardous Activities Considered? |
No |
Yes |
Mental Health/Substance Limits? |
Usually 24-month limit |
Varies by carrier and state |
Own Occupation Coverage? |
Yes (true own occupation) |
Yes (true own occupation) |
Can Increase Coverage Later? |
Yes (if policy includes a future increase rider) |
Yes (if policy includes a future increase rider) |
Discounts Available? |
Yes |
Sometimes |
¹ Some GSI policies include a clause: if you saw a doctor in the 3 months before the policy starts and file a claim in the first year, it could be denied.
² If you’ve been declined coverage, approved with modifications, or withdrawn a pending application, you may no longer be eligible for GSI.
³ Covered, but subject to the pre-existing condition clause noted above.
Why GSI Is a Game-Changer for Physicians
Physicians commonly develop health concerns during training, mental health diagnoses, minor procedures, prescriptions, even chiropractic visits, all of which could hurt future insurability.
GSI bypasses that risk entirely.
-
-
You lock in favorable rates while you’re young and healthy
-
You skip medical underwriting
-
You protect your future income with minimal friction
-
Wait too long? You could lose access forever.
Why You Might Not Qualify Later
Waiting comes with risks. Common reasons people get denied or rated:
-
-
Self- or peer-prescribed meds
-
Mental health diagnoses (anxiety, depression)
-
Surgery (even minor)
-
Cancer history
-
Chiropractic care
-
Sleep disorders
-
Pregnancy or pregnancy complications
-
Who Qualifies and When to Apply
GSI is only available through certain residency and fellowship programs with contracts in place.
Basic Eligibility:
-
-
You must be in a participating program
-
Some allow you to apply within 90 days post graduation
-
You must not have been declined, rated, or withdrawn from a prior DI application
-
Your best bet: Apply during intern year or as early as you comfortably can during training. Just make sure to apply before leaving training.
How to Get GSI Coverage
-
-
Confirm your hospital offers GSI (we’ll help)
-
Apply before the window closes (during training or within 90 days after)
-
Choose your monthly benefit amount
-
You’re approved: no medical questions, no labs, no stress
-
Pros, Cons, and Mistakes to Avoid
Pros:
-
-
Guaranteed approval
-
No medical underwriting
-
Lower early career pricing
-
True own occupation coverage
-
Future increase options
-
Cons:
-
-
Mental health/substance limits
-
Pre existing condition limitations
-
Less customization than traditional policies
-
Small window of eligibility
-
Common Mistakes:
-
-
Applying for traditional coverage first (can disqualify you)
-
Assuming GSI is automatic
-
Missing the deadline
-
Not comparing GSI with other options
-
Don’t Wait — The Window Closes Fast
After you finish training or change jobs, GSI is usually off the table.
You can’t buy coverage after something happens. And health changes fast.
Take 30 minutes now. It might protect 30 years of income.
Special Consideration: If You’re Heading Into Fellowship
Here’s something important that doesn’t get talked about enough:
If you’re finishing residency and heading into fellowship, timing your GSI application can make a big difference.
Scenario 1: Your residency program offers GSI, but your fellowship does not.
→ It’s usually in your best interest to apply for GSI before finishing residency. Once that window closes, you may not get another chance, especially if your fellowship doesn’t offer GSI.
Scenario 2: Your residency program does not offer GSI, but you’ve already matched to a fellowship that does.
→ In that case, it’s likely better to wait and apply once you start fellowship, when you’re eligible through the new program.
Scenario 3: You’re still waiting to match.
→ It may be worth holding off on buying a traditional policy until you know where you’re going.
If you match into a program that offers GSI, you’ll have access to better coverage with fewer hoops to jump through.
Bottom line: Don’t assume your window has closed or that you missed out.
Where you match could open a new opportunity, or close it.
Want to Know If You Qualify?
👉 [Check our list of eligible programs below] or just email me at michael@dreambiggerfinancial.com.
I don’t sell GSI policies, but I can connect you with someone who does. No pressure. No spam. Just real help.
You’ve worked too hard to leave your income unprotected.
Want to learn more about how this fits into your bigger financial picture? Visit dreambiggerfinancial.com for more.
How to Check If Your Program Offers GSI
-
-
Ask GME or HR — They might know (but not always)
-
Ask Dream Bigger Financial — We’ll do the homework for you
-
Browse Our Program List Below
-
***We strive to maintain this list of Guaranteed Standard Issue (GSI) Disability Insurance programs as a valuable resource for physicians in training. If you know of any additional GSI disability insurance programs or if your program should be removed or updated, please email michael@dreambiggerfinancial.com
Residency and Fellowship Programs Offering GSI Disability Insurance (by State)
Alabama
☁️ Cahaba Medical Care (A)
☁️ University of Alabama at Birmingham (G)
☁️ University of South Alabama (A)
Alaska
☁️ No Known Programs
Arizona
☁️ Abrazo Health
☁️ Creighton University (G)
☁️ Mayo Clinic – Phoenix (G)
☁️ University of Arizona – Phoenix (A), (G)
☁️ University of Arizona – Tucson (A)
Arkansas
☁️ University of Arkansas (G)
California
☁️ Alameda Health System-Highland Hospital (A)
☁️ Cedars-Sinai Medical Center (G)
☁️ Desert Care Network (G)
☁️ Kaiser Permanente – Northern California (G)
☁️ Kaiser Permanente – Southern California (G)
☁️ Loma Linda University Health (A), (G)
☁️ Loma Linda University Medical Center – Murrieta (A)
☁️ Los Angeles County + Harbor-UCLA Medical Center
☁️ Olive View – UCLA Medical Center
☁️ Santa Clara Valley Medical Center
☁️ Scripps Clinic/Scripps Green Hospital (S)
☁️ Scripps Mercy Hospital (S)
☁️ Stanford Health (G), (S)
☁️ UCLA Medical Center (G)
☁️ UC Davis Medical Center (A), (G)
☁️ UC Irvine Medical Center (A), (G)
☁️ UCSF Medical Center (A), (G)
☁️ UC San Diego Medical Center (A)
☁️ UC Riverside Medical Center (A)
☁️ USC + LAC-USC Medical Center
☁️ Valley Consortium for Medical Education
Colorado
☁️ Denver Health Medical Center (S)
☁️ Saint Joseph Hospital (S)
☁️ University of Colorado Health (S)
Connecticut
☁️ Hartford Hospital
☁️ Stamford Health (G)
☁️ Yale New Haven Hospital (A), (G)
Delaware
☁️ ChristianaCare (G), (S)
District of Columbia
☁️ George Washington University Hospital
☁️ Georgetown & Washington Hospital Center (G)
☁️ MedStar Georgetown University Hospital
Florida
☁️ Florida State University – Family Medicine Residency (A)
☁️ Gulfport Memorial Health (G)
☁️ Mayo Clinic – Jacksonville (G)
☁️ Mount Sinai Medical Center – Miami (G)
☁️ University of Central Florida – HCA Healthcare Consortium (G)
☁️ University of Florida – Gainesville (G)
☁️ University of Florida – Jacksonville (G)
☁️ University of Miami / Jackson Health (G)
☁️ University of South Florida – Morsani Health (G)
Georgia
☁️ Emory University Hospital (G)
☁️ Medical College of Georgia Health System (G)
☁️ Piedmont Athens Regional
☁️ WellStar Atlanta Medical Center (A)
Hawaii
☁️ Kaiser Permanente Hawaii (G)
Idaho
☁️ No Known Programs
Illinois
☁️ Loyola University (G)
☁️ McGaw Medical Center – Northwestern University (S)
☁️ OSF Saint Francis Medical Center
☁️ Rush University Medical Center (G), (S)
☁️ University of Chicago Medical Center (G)
☁️ University of Illinois – Chicago (A), (G)
Indiana
☁️ Deaconess Family Medicine Residency
☁️ Indiana University Health (A)
☁️ Union Hospital, Inc. (A)
Iowa
☁️ Unity Point – Des Moines (A)
☁️ UnityPoint Broadlawns Psychiatry Education Foundation
☁️ University of Iowa Hospitals and Clinics (G)
Kansas
☁️ University of Kansas Health System (S)
Kentucky
☁️ University of Kentucky Health (G)
☁️ University of Louisville Health (A)
Louisiana
☁️ LSU Health – New Orleans (G)
☁️ LSU Health – Shreveport
☁️ Ochsner Health (A), (G)
☁️ Tulane University Medical Center (A)
Maine
☁️ Maine Medical Center (G)
Maryland
☁️ Johns Hopkins Hospital (A)
☁️ Kaiser Permanente Mid-Atlantic States
☁️ Luminis Health – Anne Arundel Medicine Center
☁️ University of Maryland Medical Center – Midtown Campus (A)
☁️ University of Maryland Medical Center – Prince George’s (A)
☁️ University of Maryland Medical Center (A)
Massachusetts
☁️ Baystate Health – UMass Chan (G)
☁️ Berkshire Health Systems (G)
☁️ Beth Israel Deaconess Medical Center (G)
☁️ Beth Israel Lahey Health (G)
☁️ Boston Medical Center
☁️ Cambridge Health Alliance
☁️ Massachusetts General Hospital (G)
☁️ Mount Auburn Hospital
☁️ Tufts Medical Center (G)
☁️ UMass Chain Medical School (A)
☁️ UMass Memorial Health
Michigan
☁️ Ascension Genesys (G)
☁️ Ascension Providence – Southfield (G)
☁️ Children’s Hospital of Michigan (S)
☁️ Corewell Health (G)
☁️ Detroit Medical Center (S)
☁️ Henry Ford Allegiance Health (S)
☁️ Henry Ford Hospital (S)
☁️ Henry Ford Macomb Hospital (S)
☁️ Henry Ford Wyandotte Hospital (S)
☁️ McLaren Macomb (G)
☁️ Michigan State University – Sparrow Hospital (S)
☁️ University of Michigan Health System (S)
☁️ Wayne State University (G)
Minnesota
☁️ Mayo Clinic – Rochester (G)
☁️ University of Minnesota Health
Mississippi
☁️ Gulfport Memorial Health
☁️ University of Mississippi Medical Center (G)
Missouri
☁️ Washington University at St. Louis (G)
Montana
☁️ No Known Programs
Nebraska
☁️ Creighton University Medical Center
☁️ University of Nebraska Medical Center (A)
Nevada
☁️ No Known Programs
New Hampshire
☁️ Dartmouth-Hitchcock Medical Center (G)
New Jersey
☁️ Atlantic Health
☁️ Cooper University Health (G)
☁️ Hoboken University Medical Center
☁️ Inspira Health Network
☁️ Rowan University Health (G)
☁️ Rutgers – New Jersey Medical School (A)
☁️ Rutgers – Robert Wood Johnson Medical School (A)
☁️ St Barnabas Medical Center
New Mexico
☁️ University of New Mexico (G)
New York
☁️ Albany Medical Center (G)
☁️ BronxCare Health System
☁️ Brooklyn Hospital Center
☁️ Coney Island Hospital
☁️ Elmhurst Hospital Center
☁️ Family Health Centers at NYU Langone
☁️ Flushing Hospital Medical Center
☁️ Harlem Hospital Center
☁️ Hospital for Special Surgery (G)
☁️ Icahn School of Medicine at Mount Sinai
☁️ Institute for Family Health
☁️ Interfaith Medical Center
☁️ Jacobi Medical Center
☁️ Jamaica Hospital Medical Center
☁️ Kingsbrook Jewish Medical Center
☁️ Lincoln Medical and Mental Health Center
☁️ Maimonides Medical Center
☁️ Montefiore Medical Center – Albert Einstein College of Medicine
☁️ Mount Sinai Hospital
☁️ New York-Presbyterian – Brooklyn Methodist Hospital
☁️ New York-Presbyterian – Columbia University (G)
☁️ New York-Presbyterian – Morgan Stanley Children’s Hospital (G)
☁️ New York-Presbyterian – Queens (G)
☁️ New York-Presbyterian – Weill Cornell (G)
☁️ NYU Grossman School of Medicine
☁️ NYU Langone Health (G)
☁️ NYU Long Island School of Medicine
☁️ St Johns Episcopal Hospital – South Shore
☁️ Stony Brook Medicine (G)
☁️ SUNY Downstate Health Sciences University (G)
☁️ University at Buffalo Medical Center (G)
☁️ University of Rochester Medical Center
☁️ Westchester Medical Center
☁️ Woodhull Medical and Mental Health Center
☁️ Wyckoff Heights Medical Center
☁️ Zucker School of Medicine – Northwell Health (A)
North Carolina
☁️ Atrium Health – Carolinas Medical Center (G)
☁️ Atrium Health – Wake Forest Baptist (G)
☁️ Duke University Hospital (G), (S)
☁️ East Carolina University Health (G), (S)
☁️ Mountain Area Health Education Center (MAHEC) (A), (G)
☁️ University of North Carolina Health (G)
North Dakota
☁️ No Known Programs
Ohio
☁️ Case Western Reserve University – University Hospitals Cleveland
☁️ Christ Hospital Health Network
☁️ Cleveland Clinic (Level 3) (G)
☁️ OhioHealth Health System (G)
☁️ Ohio State University Wexner Medical Center (G)
☁️ University of Cincinnati Health (G)
☁️ University of Toledo Medical Center (G)
Oklahoma
☁️ University of Oklahoma – Tulsa (G)
☁️ University of Oklahoma Health Sciences
Oregon
☁️ Oregon Health & Science University
Pennsylvania
☁️ Albert Einstein Healthcare Network (G)
☁️ Allegheny Health Network (G)
☁️ Geisinger Health (G)
☁️ Jefferson Health (G)
☁️ Lehigh Valley Health Network (G)
☁️ Main Line Health
☁️ Penn State Health (G)
☁️ Philadelphia College of Osteopathic Medicine (PCOM) (G)
☁️ Reading Hospital – Tower Health (G)
☁️ St. Luke’s University Health Network (G)
☁️ Temple University Hospital (G)
☁️ University of Pennsylvania Health System
☁️ UPMC Lititz
☁️ UPMC Medical Education
☁️ WellSpan Health
Rhode Island
☁️ Brown University – Lifespan Health (G)
South Carolina
☁️ Medical University of South Carolina (G)
☁️ Prisma Health (G)
☁️ University of South Carolina Health
South Dakota
☁️ No Known Programs
Tennessee
☁️ Vanderbilt University Medical Center (S)
Texas
☁️ Baylor College of Medicine (A), (G)
☁️ Baylor Scott & White (G)
☁️ John Peter Smith Hospital (JPS) (A)
☁️ Methodist Health System – Dallas
☁️ Methodist Hospital – Houston
☁️ Texas Tech University – Permian Basin (A)
☁️ Texas Tech University – Amarillo (A)
☁️ Texas Tech University – Lubbock (A), (G)
☁️ Texas Tech University – El Paso (A)
☁️ UT Health – Austin (A)
☁️ UT Health – Houston (A), (G)
☁️ UT Health – San Antonio (G)
☁️ UT Southwestern Medical Center (G)
Utah
☁️ University of Utah Health (S)
Vermont
☁️ University of Vermont Medical Center
Virginia
☁️ Eastern Virginia Medical School (A)
☁️ University of Virginia Health (A), (G)
☁️ Virginia Commonwealth University Health (A)
☁️ Virginia Health Sciences (G)
☁️ Virginia Mason (G)
Washington
☁️ Kaiser Permanente – Washington (G)
☁️ University of Washington Medical Center (A), (G)
☁️ Virginia Mason Franciscan Health (G)
West Virginia
☁️ West Virginia University Health
Wisconsin
☁️ Medical College of Wisconsin (G)
☁️ University of Wisconsin Health (G)
Wyoming
☁️ No Known Programs
Next Steps: Get a Free Disability Insurance Quote
Are you ready to secure your financial future?
☁ Compare disability insurance options with expert guidance.
☁ Get a free, no-obligation quote to understand your best options.
☁ Protect your income and career with the right coverage.
What is Guaranteed Standard Issue (GSI) Disability Insurance?
Guaranteed Standard Issue (GSI) disability insurance gives you true own occupation coverage, no medical exam, no labs, no income verification, and no health questions.
In short: If you’re a resident or fellow in a participating program, you’re approved based on your training status, not your health history.
Why this matters: According to the Milliman 2024 Individual DI Market Survey, only 47 percent of traditional disability insurance applications were approved as submitted. Nearly 1 in 5 were declined, and 1 in 3 were issued with modifications, waivers, or higher pricing.
If you’ve ever been declined, rated, or withdrawn a pending application, you may not qualify for GSI. And based on the data, that’s not exactly rare.
Why Most Physicians Don’t Hear About GSI
GSI isn’t widely advertised. Many HR and GME offices don’t even know it exists.
Some insurance agents don’t mention it either, especially if they don’t have access to the GSI policy at your institution. Because GSI policies are often tied to specific agents or firms, they won’t show up unless you’re talking to the right person.
So if no one has mentioned GSI to you, it’s not necessarily their fault. But now you know it exists, and it might be your only shot at disability insurance without medical underwriting.
The Simplest Way to Get Disability Insurance During Training
Want own occupation disability insurance with no bloodwork, no health questions, and no income documents? GSI makes that possible, but only for a limited time.
It’s available for eligible residents and fellows during training or shortly after graduation. Once that window closes, it’s gone.
Why Disability Insurance Is So Important (Even If You’re Young and Healthy)
Ask yourself:
-
Would you rather have wealth and poor health?
-
Great health and no money?
-
Or worst of all, poor health and no money?
Disability insurance helps bridge that gap. Disability insurance protects your income if you get sick or injured and can’t work. For physicians, true own occupation coverage ensures you still get paid if you can’t work in your specialty, even if you switch to another job or field.
Your Income Is Your Biggest Asset
Here’s why it needs protection:
-
Only 47% of traditional applications are issued as applied
-
A rating or denial can disqualify you from GSI
-
Employer coverage is often taxable, limited, or non portable
-
Health changes can make it harder or impossible to get covered later
-
Delaying coverage usually means higher premiums
What Makes GSI Different?
GSI policies allow you to skip all the usual underwriting:
-
No medical exam
-
No labs
-
No income verification
-
No health questionnaires
-
No questions about hobbies or travel
If your program offers GSI and you apply within the timeframe, you’re in! Even with pre existing conditions.
Bonus: These policies are portable, include true own occupation definitions, and often come with a future increase option so you can boost your benefit later without reapplying.
Important Notes:
-
Most GSI policies limit mental health and substance related claims to 24 months
-
Some include a pre existing condition clause: if you saw a doctor in the 3 months before your policy starts and file a claim in the first year, it could be denied
GSI vs Traditional Disability Insurance
Why GSI Is a Game-Changer for Physicians
Physicians commonly develop health concerns during training, mental health diagnoses, minor procedures, prescriptions, even chiropractic visits, all of which could hurt future insurability.
GSI bypasses that risk entirely.
-
You lock in favorable rates while you’re young and healthy
-
You skip medical underwriting
-
You protect your future income with minimal friction
Wait too long? You could lose access forever.
Why You Might Not Qualify Later
Waiting comes with risks. Common reasons people get denied or rated:
-
Self- or peer-prescribed meds
-
Mental health diagnoses (anxiety, depression)
-
Surgery (even minor)
-
Cancer history
-
Chiropractic care
-
Sleep disorders
-
Pregnancy or pregnancy complications
Who Qualifies and When to Apply
GSI is only available through certain residency and fellowship programs with contracts in place.
Basic Eligibility:
-
You must be in a participating program
-
Some allow you to apply within 90 days post graduation
-
You must not have been declined, rated, or withdrawn from a prior DI application
Your best bet: Apply during intern year or as early as you comfortably can during training. Just make sure to apply before leaving training.
How to Get GSI Coverage
-
Confirm your hospital offers GSI (we’ll help)
-
Apply before the window closes (during training or within 90 days after)
-
Choose your monthly benefit amount
-
You’re approved: no medical questions, no labs, no stress
Pros, Cons, and Mistakes to Avoid
Pros:
-
Guaranteed approval
-
No medical underwriting
-
Lower early career pricing
-
True own occupation coverage
-
Future increase options
Cons:
-
Mental health/substance limits
-
Pre existing condition limitations
-
Less customization than traditional policies
-
Small window of eligibility
Common Mistakes:
-
Applying for traditional coverage first (can disqualify you)
-
Assuming GSI is automatic
-
Missing the deadline
-
Not comparing GSI with other options
Don’t Wait – The Window Closes Fast
After you finish training or change jobs, GSI is usually off the table.
You can’t buy coverage after something happens. And health changes fast.
Take 30 minutes now. It might protect 30 years of income.
Special Consideration: If You’re Heading Into Fellowship
Here’s something important that doesn’t get talked about enough:
If you’re finishing residency and heading into fellowship, timing your GSI application can make a big difference.
Scenario 1: Your residency program offers GSI, but your fellowship does not.
→ It’s usually in your best interest to apply for GSI before finishing residency. Once that window closes, you may not get another chance, especially if your fellowship doesn’t offer GSI.
Scenario 2: Your residency program does not offer GSI, but you’ve already matched to a fellowship that does.
→ In that case, it’s likely better to wait and apply once you start fellowship, when you’re eligible through the new program.
Scenario 3: You’re still waiting to match.
→ It may be worth holding off on buying a traditional policy until you know where you’re going.
If you match into a program that offers GSI, you’ll have access to better coverage with fewer hoops to jump through.
Bottom line: Don’t assume your window has closed or that you missed out.
Where you match could open a new opportunity, or close it.
Want to Know If You Qualify?
👉 [Check our list of eligible programs below] or just email me at michael@dreambiggerfinancial.com.
I don’t sell GSI policies, but I can connect you with someone who does. No pressure. No spam. Just real help.
You’ve worked too hard to leave your income unprotected.
Want to learn more about how this fits into your bigger financial picture Visit dreambiggerfinancial.com for more.
How to Check If Your Program Offers GSI
-
Ask GME or HR — They might know (but not always)
-
Ask Dream Bigger Financial — We’ll do the homework for you
-
Browse Our Program List Below
***We strive to maintain this list of Guaranteed Standard Issue (GSI) Disability Insurance programs as a valuable resource for physicians in training. If you know of any additional GSI disability insurance programs or if your program should be removed or updated, please email michael@dreambiggerfinancial.com
Residency and Fellowship Programs Offering GSI Disability Insurance (by State)
Alabama
☁️ Cahaba Medical Care (A)
☁️ University of Alabama at Birmingham (G)
☁️ University of South Alabama (A)
Alaska
☁️ No Known Programs
Arizona
☁️ Abrazo Health
☁️ Creighton University (G)
☁️ Mayo Clinic – Phoenix (G)
☁️ University of Arizona – Phoenix (A), (G)
☁️ University of Arizona – Tucson (A)
Arkansas
☁️ University of Arkansas (G)
California
☁️ Alameda Health System-Highland Hospital (A)
☁️ Cedars-Sinai Medical Center (G)
☁️ Desert Care Network (G)
☁️ Kaiser Permanente – Northern California (G)
☁️ Kaiser Permanente – Southern California (G)
☁️ Loma Linda University Health (A), (G)
☁️ Loma Linda University Medical Center – Murrieta (A)
☁️ Los Angeles County + Harbor-UCLA Medical Center
☁️ Olive View – UCLA Medical Center
☁️ Santa Clara Valley Medical Center
☁️ Scripps Clinic/Scripps Green Hospital (S)
☁️ Scripps Mercy Hospital (S)
☁️ Stanford Health (G), (S)
☁️ UCLA Medical Center (G)
☁️ UC Davis Medical Center (A), (G)
☁️ UC Irvine Medical Center (A), (G)
☁️ UCSF Medical Center (A), (G)
☁️ UC San Diego Medical Center (A)
☁️ UC Riverside Medical Center (A)
☁️ USC + LAC-USC Medical Center
☁️ Valley Consortium for Medical Education
Colorado
☁️ Denver Health Medical Center (S)
☁️ Saint Joseph Hospital (S)
☁️ University of Colorado Health (S)
Connecticut
☁️ Hartford Hospital
☁️ Stamford Health (G)
☁️ Yale New Haven Hospital (A), (G)
Delaware
☁️ ChristianaCare (G), (S)
District of Columbia
☁️ George Washington University Hospital
☁️ Georgetown & Washington Hospital Center (G)
☁️ MedStar Georgetown University Hospital
Florida
☁️ Florida State University – Family Medicine Residency (A)
☁️ Gulfport Memorial Health (G)
☁️ Mayo Clinic – Jacksonville (G)
☁️ Mount Sinai Medical Center – Miami (G)
☁️ University of Central Florida – HCA Healthcare Consortium (G)
☁️ University of Florida – Gainesville (G)
☁️ University of Florida – Jacksonville (G)
☁️ University of Miami / Jackson Health (G)
☁️ University of South Florida – Morsani Health (G)
Georgia
☁️ Emory University Hospital (G)
☁️ Medical College of Georgia Health System (G)
☁️ Piedmont Athens Regional
☁️ WellStar Atlanta Medical Center (A)
Hawaii
☁️ Kaiser Permanente Hawaii (G)
Idaho
☁️ No Known Programs
Illinois
☁️ Loyola University (G)
☁️ McGaw Medical Center – Northwestern University (S)
☁️ OSF Saint Francis Medical Center
☁️ Rush University Medical Center (G), (S)
☁️ University of Chicago Medical Center (G)
☁️ University of Illinois – Chicago (A), (G)
Indiana
☁️ Deaconess Family Medicine Residency
☁️ Indiana University Health (A)
☁️ Union Hospital, Inc. (A)
Iowa
☁️ Unity Point – Des Moines (A)
☁️ UnityPoint Broadlawns Psychiatry Education Foundation
☁️ University of Iowa Hospitals and Clinics (G)
Kansas
☁️ University of Kansas Health System (S)
Kentucky
☁️ University of Kentucky Health (G)
☁️ University of Louisville Health (A)
Louisiana
☁️ LSU Health – New Orleans (G)
☁️ LSU Health – Shreveport
☁️ Ochsner Health (A), (G)
☁️ Tulane University Medical Center (A)
Maine
☁️ Maine Medical Center (G)
Maryland
☁️ Johns Hopkins Hospital (A)
☁️ Kaiser Permanente Mid-Atlantic States
☁️ Luminis Health – Anne Arundel Medicine Center
☁️ University of Maryland Medical Center – Midtown Campus (A)
☁️ University of Maryland Medical Center – Prince George’s (A)
☁️ University of Maryland Medical Center (A)
Massachusetts
☁️ Baystate Health – UMass Chan (G)
☁️ Berkshire Health Systems (G)
☁️ Beth Israel Deaconess Medical Center (G)
☁️ Beth Israel Lahey Health (G)
☁️ Boston Medical Center
☁️ Cambridge Health Alliance
☁️ Massachusetts General Hospital (G)
☁️ Mount Auburn Hospital
☁️ Tufts Medical Center (G)
☁️ UMass Chain Medical School (A)
☁️ UMass Memorial Health
Michigan
☁️ Ascension Genesys (G)
☁️ Ascension Providence – Southfield (G)
☁️ Children’s Hospital of Michigan (S)
☁️ Corewell Health (G)
☁️ Detroit Medical Center (S)
☁️ Henry Ford Allegiance Health (S)
☁️ Henry Ford Hospital (S)
☁️ Henry Ford Macomb Hospital (S)
☁️ Henry Ford Wyandotte Hospital (S)
☁️ McLaren Macomb (G)
☁️ Michigan State University – Sparrow Hospital (S)
☁️ University of Michigan Health System (S)
☁️ Wayne State University (G)
Minnesota
☁️ Mayo Clinic – Rochester (G)
☁️ University of Minnesota Health
Mississippi
☁️ Gulfport Memorial Health
☁️ University of Mississippi Medical Center (G)
Missouri
☁️ Washington University at St. Louis (G)
Montana
☁️ No Known Programs
Nebraska
☁️ Creighton University Medical Center
☁️ University of Nebraska Medical Center (A)
Nevada
☁️ No Known Programs
New Hampshire
☁️ Dartmouth-Hitchcock Medical Center (G)
New Jersey
☁️ Atlantic Health
☁️ Cooper University Health (G)
☁️ Hoboken University Medical Center
☁️ Inspira Health Network
☁️ Rowan University Health (G)
☁️ Rutgers – New Jersey Medical School (A)
☁️ Rutgers – Robert Wood Johnson Medical School (A)
☁️ St Barnabas Medical Center
New Mexico
☁️ University of New Mexico (G)
New York
☁️ Albany Medical Center (G)
☁️ BronxCare Health System
☁️ Brooklyn Hospital Center
☁️ Coney Island Hospital
☁️ Elmhurst Hospital Center
☁️ Family Health Centers at NYU Langone
☁️ Flushing Hospital Medical Center
☁️ Harlem Hospital Center
☁️ Hospital for Special Surgery (G)
☁️ Icahn School of Medicine at Mount Sinai
☁️ Institute for Family Health
☁️ Interfaith Medical Center
☁️ Jacobi Medical Center
☁️ Jamaica Hospital Medical Center
☁️ Kingsbrook Jewish Medical Center
☁️ Lincoln Medical and Mental Health Center
☁️ Maimonides Medical Center
☁️ Montefiore Medical Center – Albert Einstein College of Medicine
☁️ Mount Sinai Hospital
☁️ New York-Presbyterian – Brooklyn Methodist Hospital
☁️ New York-Presbyterian – Columbia University (G)
☁️ New York-Presbyterian – Morgan Stanley Children’s Hospital (G)
☁️ New York-Presbyterian – Queens (G)
☁️ New York-Presbyterian – Weill Cornell (G)
☁️ NYU Grossman School of Medicine
☁️ NYU Langone Health (G)
☁️ NYU Long Island School of Medicine
☁️ St Johns Episcopal Hospital – South Shore
☁️ Stony Brook Medicine (G)
☁️ SUNY Downstate Health Sciences University (G)
☁️ University at Buffalo Medical Center (G)
☁️ University of Rochester Medical Center
☁️ Westchester Medical Center
☁️ Woodhull Medical and Mental Health Center
☁️ Wyckoff Heights Medical Center
☁️ Zucker School of Medicine – Northwell Health (A)
North Carolina
☁️ Atrium Health – Carolinas Medical Center (G)
☁️ Atrium Health – Wake Forest Baptist (G)
☁️ Duke University Hospital (G), (S)
☁️ East Carolina University Health (G), (S)
☁️ Mountain Area Health Education Center (MAHEC) (A), (G)
☁️ University of North Carolina Health (G)
North Dakota
☁️ No Known Programs
Ohio
☁️ Case Western Reserve University – University Hospitals Cleveland
☁️ Christ Hospital Health Network
☁️ Cleveland Clinic (Level 3) (G)
☁️ OhioHealth Health System (G)
☁️ Ohio State University Wexner Medical Center (G)
☁️ University of Cincinnati Health (G)
☁️ University of Toledo Medical Center (G)
Oklahoma
☁️ University of Oklahoma – Tulsa (G)
☁️ University of Oklahoma Health Sciences
Oregon
☁️ Oregon Health & Science University
Pennsylvania
☁️ Albert Einstein Healthcare Network (G)
☁️ Allegheny Health Network (G)
☁️ Geisinger Health (G)
☁️ Jefferson Health (G)
☁️ Lehigh Valley Health Network (G)
☁️ Main Line Health
☁️ Penn State Health (G)
☁️ Philadelphia College of Osteopathic Medicine (PCOM) (G)
☁️ Reading Hospital – Tower Health (G)
☁️ St. Luke’s University Health Network (G)
☁️ Temple University Hospital (G)
☁️ University of Pennsylvania Health System
☁️ UPMC Lititz
☁️ UPMC Medical Education
☁️ WellSpan Health
Rhode Island
☁️ Brown University – Lifespan Health (G)
South Carolina
☁️ Medical University of South Carolina (G)
☁️ Prisma Health (G)
☁️ University of South Carolina Health
South Dakota
☁️ No Known Programs
Tennessee
☁️ Vanderbilt University Medical Center (S)
Texas
☁️ Baylor College of Medicine (A), (G)
☁️ Baylor Scott & White (G)
☁️ John Peter Smith Hospital (JPS) (A)
☁️ Methodist Health System – Dallas
☁️ Methodist Hospital – Houston
☁️ Texas Tech University – Permian Basin (A)
☁️ Texas Tech University – Amarillo (A)
☁️ Texas Tech University – Lubbock (A), (G)
☁️ Texas Tech University – El Paso (A)
☁️ UT Health – Austin (A)
☁️ UT Health – Houston (A), (G)
☁️ UT Health – San Antonio (G)
☁️ UT Southwestern Medical Center (G)
Utah
☁️ University of Utah Health (S)
Vermont
☁️ University of Vermont Medical Center
Virginia
☁️ Eastern Virginia Medical School (A)
☁️ University of Virginia Health (A), (G)
☁️ Virginia Commonwealth University Health (A)
☁️ Virginia Health Sciences (G)
☁️ Virginia Mason (G)
Washington
☁️ Kaiser Permanente – Washington (G)
☁️ University of Washington Medical Center (A), (G)
☁️ Virginia Mason Franciscan Health (G)
West Virginia
☁️ West Virginia University Health
Wisconsin
☁️ Medical College of Wisconsin (G)
☁️ University of Wisconsin Health (G)
Wyoming
☁️ No Known Programs
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It All Begins with a Diagnosis…
At Dream Bigger Financial, we’re dedicated to setting early-career physicians on the right financial treatment plan.
With a comprehensive diagnosis, we guide you towards financial peace of mind, ensuring you can be your best self for your loved ones and patients.
Considering financial planning?
We’re currently accepting new patients!
If you prefer self-diagnosing,
join us on social media!
We regularly share tips and tricks on lowering taxes, managing student loans, saving for retirement, and guiding you to live your best financial life.
Michael Putterman, CFP®
☁ Virtually serving clients nationwide ☁
It All Begins with a Diagnosis…
At Dream Bigger Financial, we’re dedicated to setting early-career physicians on the right financial treatment plan.
With a comprehensive diagnosis, we guide you towards financial peace of mind, ensuring you can be your best self for your loved ones and patients.
Considering financial planning?
We’re currently accepting new patients!
If you prefer self-diagnosing,
join us on social media!
We regularly share tips and tricks on lowering taxes, managing student loans, saving for retirement, and guiding you to live your best financial life.
Michael Putterman, CFP®
☁ Virtually serving clients nationwide ☁