A Special Note for the Female Resident

Sadly there are no DI Companies offering Unisex Rates for Residents & Fellows.

Of the 5 DI carriers, all have discontinued offering Unisex Rates, which had provided a substantial savings of 16% to 52% for females.

Mass Mutual discontinued their Unisex Rates in 2019;  Principal in 2017; Ameritas in 2014; MetLife in 2012; Guardian & Standard in 2011.  

Unisex Rates were mostly available during Residency or Fellowships & only through agents who can set up a Multi-Life Case.  A multi-life case enables Unisex Rates to be offered.  

As a Disability Income Professional who was in Practice when today’s Gold Standard Policy was being constructed - benefit by benefit - year after year - I am uniquely qualified to put into context  the important contractual benefits, salient points of each carrier and claims.

Contact me today at work, cell or online to schedule a convenient & brief appointment respectful of your time constraints.

David Chrin

M: 484-716-1633

www.davidchrin.com