Residents and fellows are provided a long-term disability plan at no cost. The coverage is 60 percent of monthly salary and pays a benefit after 180 days of disability. The plan is offered by Guardian Insurance. There is no enrollment form to complete asenrollment is automatic.

Coverage is portable at the conclusion of residency as the plan can be converted to individual, noncancellable, guaranteed renewable coverage with no medical underwriting requirements. Residents may also purchase supplemental coverage during residency.