Written by Bill Olmsted, Guardian disability insurance specialist.
Guardian Guaranteed Standard Issue (GSI) disability insurance is available to eligible residents and fellows training at Baylor College of Medicine. Baylor College of Medicine already provides disability benefits. This page explains how individually owned Guardian GSI coverage may fit with those benefits. Check your eligibility with the assessment below.
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Guardian GSI for Residents and Fellows Training at Baylor College of Medicine
Guardian Guaranteed Standard Issue (GSI) disability insurance is available to eligible residents and fellows training at Baylor College of Medicine. It is individually owned coverage, separate from Baylor College of Medicine’s employee benefits. GSI involves no medical questions, exams, or medical records reviewed. Program eligibility requirements still apply.
Before submitting a formal disability insurance application, review your timing and application history. Those details can affect access. See Programs & Eligibility for the broader rules; use the eligibility assessment for your next step.
Already graduated? Use the assessment below to review your timing and next step. If your circumstances need a closer look, contact Bill.
Review your timing and next step
Check your eligibility in 30 seconds. If your situation needs a closer look, Bill will walk you through your options.
What Baylor College of Medicine publishes about disability benefits
Baylor’s 2026 Benefits Cost & Coverage Guide for Residents and Clinical Postdoctoral Fellows lists short-term and long-term disability as core benefits with automatic enrollment. Long-term disability (LTD) covers an absence of more than 180 days and pays 60% of base monthly earnings, up to $32,000 a month. Short-term disability covers an absence of 30 consecutive days, up to 180 days, at 60% of pay up to $750 a week.
Baylor’s pages differ on who pays for short-term disability. The GME Stipends and Benefits page says LTD is provided at no cost and that house staff may enroll in short-term disability at their own expense. The GME Vacation and Leave of Absences page describes short-term disability as a core benefit, free to trainees.
This summary reflects what Baylor College of Medicine publishes publicly as of October 2026 and is accurate to the best of our knowledge. Benefits change, so verify current terms directly with the Baylor College of Medicine GME office.
Published resident and fellow stipends
Baylor College of Medicine’s GME stipend schedule is labeled 2026 – 2027. These are annual stipends, not disability benefit amounts.
| Training level | Annual stipend |
|---|---|
| PGY-1 | $71,672 |
| PGY-2 | $74,354 |
| PGY-3 | $76,366 |
| PGY-4 | $79,450 |
| PGY-5 | $83,325 |
| PGY-6 | $86,025 |
| PGY-7 | $88,926 |
| PGY-8 | $91,150 |
| PGY-9 | $93,933 |
Source: Baylor College of Medicine GME Stipends and Benefits, checked October 4, 2026. Confirm your own appointment and benefits with your program.
Official GME and wellbeing resources
- Graduate Medical Education: residency and fellowship programs, training sites and the GME Resident Council.
- Office of Graduate Medical Education: GME leadership, staff contacts and policies. General GME email: ask-gme@bcm.edu.
- GME Trainee Resources: the hub for current residents and fellows.
- Stipends and Benefits: official stipend schedule and benefits summary.
- Baylor College of Medicine Benefits: current benefit guides for residents and clinical postdoctoral appointments, and the ALEX virtual benefits counselor.
- Resident/Fellow Wellness: counseling, EAP, backup care and wellness programs.
- Assistance Contacts: Ombuds Office, Housestaff Counseling Service, Employee Relations and Office of Professionalism.
- Vacation and Leave of Absences: time off and the leave request process.
- BCM Well-Being: the BeWell program, EAP and other wellbeing resources.
- GME Trainee Professional Development Series: sessions on employment agreements, financial planning and other career topics.
Baylor’s House Staff Psychiatric Counseling Service offers up to 12 sessions at no charge to trainees and their spouse or domestic partner. Baylor lists (713) 798-4881 to schedule an appointment or for emergencies. The EAP, through Optum Emotional Wellbeing Solutions, offers up to three free confidential counseling sessions per person for an individual issue; its contact details are on Baylor’s internal EAP page. For benefits questions, the 2026 guide lists ask-insurance@bcm.edu and 713-798-1500.
From eligibility to a quote or application
Use this page to understand the Baylor College of Medicine benefits and eligibility questions. DisabilityQuotes handles the quote and application steps after the appropriate path is established.
The DisabilityQuotes Guardian GSI page for Baylor College of Medicine residents provides the program’s quote intake. For an uncertain training site, application history or graduation timeline, contact Bill before proceeding.
For broader policy planning, read the GSI Buyer’s Guide.