Exciting New Guaranteed Standard Issue Disability Insurance Plan for CHOC Residents and Fellows

We are thrilled to announce a new Guaranteed Standard Issue (GSI) disability insurance plan exclusively from DI4MDs for residents and fellows at Children’s Hospital of Orange County (CHOC). This collaboration between DI4MDs and The Standard is designed to simplify securing essential financial protection for residents and fellows, removing typical barriers associated with obtaining individual disability insurance. This adds to our current proprietary GSI programs for the residents and fellows of UCSD, Scripps Mercy, and Rady’s Children’s Hospital.
Key Features of our GSI Plan:

    Guaranteed Approval:

Coverage is assured without medical or financial underwriting, facilitating easy access for all eligible CHOC residents and fellows.

    Discounted Premiums:

The plan offers significantly lower, gender-neutral rates, making it financially accessible to early-career medical professionals.


Coverage will remain in effect after training.
Up to $15,000 per month in benefits: This plan offers guaranteed monthly benefits up to $7,500 per month in training and up to $15,000 per month after completion.

    Own Occupation Rider:

This crucial rider ensures that if you’re unable to practice in your medical specialty due to a disability, you are still eligible for your full benefit, even if you work in another field.

    Noncancelable and Guaranteed Renewable:

Guarantees that your policy cannot be canceled by the insurer as long as premiums are paid, securing your rates and benefits from any future changes.

    Benefit Increase Rider (BIR):

Allows you to increase your benefit amount as your salary grows, without any medical underwriting, while maintaining the discount.

    Enhanced Residual Benefits:

Provides a partial benefit if you are still able to work in your specialty but earn less due to a disability, ensuring you receive support during partial recovery or reduced capacity to work. Recovery benefits included.

These features are designed to provide a comprehensive safety net, allowing you to focus on your training and career development without worrying about financial instability due to unforeseen health issues. The five-question approval process saves valuable time better utilized for education and not answering insurance company questions and providing medical records. For a more detailed breakdown and information on how to enroll, visit DI4MDs’ dedicated section on disability insurance programs for residents and fellows at CHOC by following this link