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Nothing lasts forever. This Guaranteed Standard Issue offer is expiring soon! 

Get the Right Disability Policy at the Lowest Rates, Guaranteed.

Easy-DI: home of the exclusive offer for UAB and all major 'own-occ' policies.

For decades, UAB Residents/Fellows have worked with us.

Disability Fundamentals

Group insurance is generally given to you by your employer.  Like most “free” things in life it’s good and better than nothing, but it could be better.

Individual insurance almost always has better definitions (are you disabled enough to receive money or aren’t you?), rate guarantees, can be taken with you if you change jobs, and can pay benefits while you’re working elsewhere.

We sell both, but we strongly recommend individual insurance.

Own occupation allows you to receive benefits if you can’t perform the material and substantial duties of your specific occupation (or AMA specialty), even if you’re working elsewhere.

High achievers (anyone with an advanced degree or a business owner) won’t be happy sitting at home watching Netflix all day; you’ll want to do something: teach, start an internet business, sell real estate, or something!  Only “Own Occ” will allow you to earn money elsewhere and receive full benefits while you’re disabled. 

Most companies (6 major ones) offer “own occupation” coverage, but there’s one heavily marketed brand that does not.  Be careful.

We work with all 6 and are happy to help you find the best policy for you.

There are a few “must-have” riders to get.

Own-occupation riders protect you in your specialty. “Own-occ” is described above (it’s that important!), so make sure you include it in your policy.

Residual benefits proivde for benefits while you’re not “totally disabled”. This protects you as you slowly become disabled or recover from a disability.

Increase options allow you to increase your coverage later as your income increases without any medical considerations. 

Guaranteed renewable and non-cancelable policies guarantee the company can’t reduce your benefits or increase your premium.  

Other popular riders include the following:

Cost of Livings Adjustments (COLA) will increase the monthly benefits you receive if you’re disabled for more than a year. This is most beneficial for long-term disabilities which occur early in your career. For this reason, most clients start their policy with this rider then drop it mid-career.

Catastrophic riders will pay additional money each month if your disabilty is so severe you are unable to perform two of the six activities of daily living.

Unlimited Menal/Nervous or Substance Abuse (MNSA) riders extend how long benefits can be paid for MNSA-related claims. Most companies limit benefits for MNSA claims to two years. This rider, if available (rare), removes this two-year limitation.

If your investments are generating enough income for your lifestyle, you don’t need disability insurance.  Everyone else needs it.

You can only buy it when you’re healthy (typically). Lock in good coverage while you’re young and healthy for lower rates.  

TIP: you can generally buy a small policy that is increasable – without proof of good health – as your income increases.  It’s important to get some coverage in place while you can even as early as a first-year resident. Then, increase your policy as you graduate/complete.

There are six major own-occupation companies physicians consider. We represent all six:

Ameritas, Guardian/Berkshire, Mass Mutual Ohio National, Principal, and Standard.

Because of our 40-year history of working with UAB physicians, Ohio National has allowed us (and only us) to offer their top contract with unisex rates and additional discounts to UAB residents and fellows without any medical questions. (This is the “GSI policy” most doctors buy while in residency; this is the GSI program for UAB).

We’ll run quotes with all six companies for you (or you can do it yourself here!) and help you select the best policy for you.

What is a "GSI policy"?

First, “GSI policies” are the insurance company’s best and most robust disability policy. The company waives all medical questions and then deeply discounts the premium and only charges unisex rates.

  • It’s the same top-tier disability policy.
  • It’s the same benefits, definitions and riders.
  • It costs less. Much less if you’re female because uni-sex rates are used.
  • There is no medical underwriting. This means there are no exclusions; everything is covered.


What’s the catch? There’s only one: the 12/12 exclusion. If you make a claim during the first twelve months of owning the policy, benefits will pay unless you’ve seen a physician (or should have) for that same condition during the twelve months prior to purchasing the policy. After you’ve owned the policy 13 months, there are no limitations for pre-existing conditions.

Frankly, most residents are young, healthy and smart. This makes them generally good risks for the insurance company. They want more doctors to insure and will provide discounts to get large groups such as UAB residents.

Disreputable brokers who do not have access to a GSI plan have been known to tell “untruths.” 

So, how much would your GSI policy cost? Find out below.

Find your GSI rates instantly below:

Current UAB residents and fellows are eligible to purchase and customize their GSI disability policies. There are no medical questions or medical exclusions; only the 12/12 detailed earlier.

Three common packages are shown below:

  1. Essential: This economical policy provides $2,500 of monthly benefits, increasable to $10,000 as your income increases and includes own-occupation and enhanced residual riders. Starts with guaranteed graded premiums; we suggest moving to level premiums approx. year 4 as this keeps the policy less expensive for you for about the first 25 years (when you need it most).
  2. Moderate: This policy provides $5,000 of monthly benefits, increasable to $15,000 as your income increases and includes own-occupation and enhanced residual riders. Starts with guaranteed graded premiums; we suggest moving to level premiums approx. year 4 as this keeps the policy less expensive for you for about the first 25 years (when you need it most).
  3. Robust: This policy provides $5,000 of monthly benefits increasable to $15,000 as your income increases. It includes own-occupation, enhanced residual, 3% COLA, and $5,000 Catastrophic benefit riders. Premium are guaranteed level. 

We’re happy to run proposals for all six major “own-occ companies” for you. Just send us an email.

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UAB-Exclusive GSI Enrollment

It’s Easy. Enroll now into the Ohio National plan exclusively for UAB residents and fellows.

Enroll in 5 minutes. Choose  $2,500 – $5,000 of monthly benefits without any underwriting. You can get up to $15,000 with your signed contract with your future employer.

Enroll here with DocuSign; your data is secure.

Or, Start Your Non-UAB Application Here

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