Continuation of Coverage after Graduation

Questions? Contact Tobin Nadeu, UVM Student support specialist at Pastore Financial Group: 802-999-7123.

CONTINUATION OF COVERAGE AFTER GRADUATION

This plan includes an important conversion privilege to convert your disability coverage when you begin your residency training.  The conversion privilege is guarantee issue for all students with no medical underwriting and may convert to a monthly benefit of $2,000.

As a University of Vermont School of Medicine student, you have enjoyed the quality protection of the University of Vermont School of Medicine’s Student Sponsored Disability Insurance Program. Under the terms of this program, your coverage is scheduled to terminate on July 31.

You will have a one-time enrollment period of 30 days from the policy end date to convert your coverage.

Before you convert your student disability insurance it’s important to know that most residency programs provide as part of their compensation package disability insurance. However, not all disability insurance programs are alike. We strongly encourage you to familiarize yourself with the disability insurance benefits you will receive under your residency program to determine whether additional disability insurance coverage is necessary to protect you and your family’s future.   

GUARANTEED STANDARD ISSUE INDIVIDUAL DISABILITY INSURANCE

• Most physicians will at some point purchase an individual disability, we encourage you to consider this now
• The longer you wait, the harder it gets to secure a clean policy; this is primarily due to negative changes in your health
• This high-quality individual disability insurance is provided by Ohio National Life, and every UVMLCOM student is guaranteed coverage regardless of medical history, as long as you have been an active student in the 90 days prior to your application, and have not been declined for insurance by Ohio National Life in the past.
• To learn more about this exciting new option, please schedule a complimentary conversation with Tobin Nadeau or contact him below.

For questions regarding your disability insurance plan or to learn more about continuing coverage after graduation please contact: Tobin Nadeau at Pastore Financial Group (PFG) at 802-999-7123.