Guardian’s Guaranteed Standard Issue program gives eligible residents and fellows one thing no other path to disability insurance offers: certainty. No medical questions. No exams. No possibility of being declined. If your training program participates, you apply and you are approved.
The policy you receive is not a training-only benefit or a temporary placeholder. It is a permanent, individually owned Guardian Provider Choice contract. The same policy, with the same definition of disability and the same riders, that a physician buying coverage on the open market would receive — but without any of the underwriting risk.
Here is everything you need to understand about how the program works, what it costs, what your policy includes, and what to do after graduation.
What Your GSI Policy Includes
Own-occupation definition, benefit period, elimination period, and the riders that make a Guardian GSI policy worth owning. What you are actually getting when you apply.
See what your GSI policy includes →How Much Does GSI Cost?
Graded vs level premiums, what residents typically pay, and how the cost changes after graduation. The numbers behind the decision.
See real Guardian GSI pricing →GSI Eligibility for New Residents
Why Guardian must be your first application, and the three paths available depending on whether your program participates in GSI. The chapter every newly matched resident should read before doing anything else.
Check eligibility at your incoming program →Is Your Employer’s Disability Insurance Enough?
Why group long-term disability coverage alone leaves physicians underprotected, and how individual own-occupation coverage fills the gap.
Compare group LTD vs. own-occupation →After Graduation: Increasing Your Coverage
You bought GSI during training. Now you are an attending. Here is how to increase your coverage, convert your premiums, and protect your full income.
Learn how to increase your coverage after training →Looking for something specific? Check whether your program participates in Guardian GSI. Read the complete Buyer’s Guide. Or browse our FAQ for quick answers.
Have questions? See our FAQ. Learn about MDGSI.
Ready to move forward? Get a personalized Guardian GSI quote in 60 seconds.