All Feinberg School of Medicine students are required to participate in the student disability insurance group program. This program has been negotiated by the consortium of Chicago-area medical school deans and has been in place since 1995. The current policy is managed by RX Financial Resources Insurance Brokers and underwritten by the Unum Provident Corporation. The implementation of the student group plan was prompted by concerns of the Association of American Medical Colleges (AAMC) about the lack of financial protection for students who may become disabled during their medical training. Therefore LCME accreditation standards now require disability insurance be made available to medical students. A matriculated student who for reason of any physical or mental disability is unable to continue in school can receive a benefit of $1,500 per month (for a first- or second-year student) or $2,000 per month (for a student who has progressed beyond the second year) until age 65. No exclusions for pre-existing conditions exist. Each student is provided an individual policy that explains in detail all benefits two months after matriculating into the medical school. They are also notified of how their premium amount is configured, and how to obtain answers to questions about their policy and/or filing a claim. At the request of a graduating or terminating student, the insurance may be continued on an individual basis into residency or other activity. The premium billing schedule is determined by class year and enrollment status for details, please review the premium billing schedule below: | | Incoming M1 New Transfer Student (any class year) Student returning from personal leave of absence that was not billed for proceeding school year prior to leave | Fall Quarter
(to cover M1 10-month premium or annual premium for current year not paid prior to personal leave or entry to Feinberg) AND Winter Quarter
(to cover upcoming year premium) | M2 & M3 students | Winter Quarter (to cover upcoming M3 or M4 school year) | MSTP, Other Graduate or Research Program Study students | Winter Quarter
(student will remain in regular billing cycle unless attending an institution outside of Northwestern and student requests to discontinue coverage during that period.) |
Questions regarding the student group disability insurance plan should be directed to, Linda Daniels, Coordinator for Student Support Services at: l-daniels2@northwestern.edu or (312)503-0434 Student Disability Insurance http://www.feinberg.northwestern.edu/AWOME/Current_Students/Student_Health_Resources/Student_Disability/index.html | 
