Resident and fellows: LTD insurance
Updated April 14, 2020 to reflect COVID-19 related changes
While we all hope to never suffer from a debilitating illness or injury, there could come a time when you’re unable to work or continue your studies. Should this happen, long-term disability (LTD) insurance provides financial protection by paying you a monthly income.
As a full-time UW resident or fellow, you have two LTD insurance options:
- The MedPlus Advantage plan, sponsored by the American Medical Association (AMA)
- The PEBB-sponsored LTD insurance plan
To see a comparison of each plan’s coverage, download the LTD Plan Comparison for Residents and Fellows (PDF). This document compares the AMA-sponsored LTD insurance plan to the PEBB-sponsored LTD insurance plan.
The AMA-sponsored LTD insurance plan provides you the option to obtain an Individual Disability Insurance policy at a discounted rate with no medical underwriting when your residency or fellowship ends. Prior participation in the group LTD programs is not required. For more information please refer to the “Continue Coverage” section below.
The following describes the AMA-sponsored MedPlus Advantage plan.
Full details about the AMA-sponsored LTD plan can be found by reviewing the plan certificate. Download it by going to the MedPlus Advantage website and entering the ID number 644228. You can also download the plan summary (highlight sheet) and the Global Emergency Services brochure.
You’re eligible for MedPlus Advantage LTD insurance if you’re a full-time resident, fellow, chief resident, chief resident non-ACGME, senior fellow, or senior fellow trainee.
You must hold a M.D., Ph.D., Psy.D., D.O., D.M.D., or D.D.S., and you must be enrolled in one of the academic departments at the UW School of Medicine or in the School of Dentistry, School of Nursing, or School of Pharmacy.
Enroll online for AMA-sponsored LTD insurance. You must enroll within the first 31 days from your date of hire for your residency or fellowship. Policy changes due to COVID-19 apply to the enrollment timeframe and coverage start dates. See our policy update for more details.
Coverage is effective on the first of the month following the date you apply. The policy plan year starts July 1 and ends the following year on June 30.
The monthly premium for the current plan year is $18. This premium is deducted directly from your paycheck in two installments, generally on the 10th and on the 25th of each month. When you enroll, the plan administrator, Professional Benefit Consultants, processes the enrollment form then sends your information to the UW Integrated Service Center (ISC) who begins your payroll deduction for the insurance.
File an LTD claim
Contact the UW Benefits Office to file a LTD claim at 206/543-4444.
Cancel LTD insurance
To cancel your AMA-sponsored LTD insurance, please send your written request to the Integrated Service Center (ISC) stating your wish to terminate your AMA-sponsored LTD insurance. Please include your Employee Identification Number (EID) in this request.
Once the ISC receives your request, your insurance coverage will terminate at the end of the month in which your notification was received.
If you want LTD insurance after your residency or fellowships ends, you need to take action to convert your insurance coverage to an individual policy (see AMA – Resident and Fellows LTD Conversion (PDF).
To do so, apply either for continuation of coverage within 31 days from when your AMA-sponsored coverage ends, or you can apply for coverage conversion during your entire last year of residency or 60 days from when your AMA-sponsored coverage ends. If you apply after the deadline, you won’t receive the discounted rates and you will be required to provide personal medical information and complete a medical exam.
To provide you with coverage options the UW works with our insurance broker, Parker, Smith & Feek. Please contact them directly at email@example.com and they can provide with information on the options available to you, including an option with discounted pricing which does not require any medical underwriting.
If you’re continuing employment at the UW after your residency or fellowship ends, you lose eligibility for the AMA LTD. Contact Parker, Smith & Feek as outlined above, and they will assist you with a conversion product.