Apply for the disability coverage you may need as a Resident
You have invested years of your life, hundreds of thousands of dollars on your medical education, and have a potential income stream that could be significant. That all needs to be protected.
While you may have employer coverage, it’s likely not covering you at an adequate benefit level or offering the own-specialty protection you need. It’s important to fill in those gaps in coverage with supplemental disability income insurance protection: the AMA-sponsored DisabilityPro “Own-Specialty” Group Disability Insurance℠ for resident physicians.
Higher benefit amount at competitive rates
Up to $5,000 in monthly disability benefits as a resident under 40—regardless of your current salary, debt or existing coverage amounts. That’s a higher benefit than you may qualify for with other insurers. Both employers and insurers tend to base coverage amounts on current salary, even though it’s rarely enough to cover a resident’s living expenses if you become disabled.
You can secure this quality disability income protection at specially negotiated rates. You can have the disability income protection you may need as a resident that works with your budget and financial obligations—student loans, mortgage, and family. AMA members receive a 35% discount; non-members receive a 10% discount for at least the first year of coverage.
'Own-Specialty' Definition of Disability
You are eligible to receive benefits if you are unable to work in your own medical specialty due to a covered illness, injury or organ donation—even if you have the ability to work in another field of medicine.
Up to $200,000 to repay medical school loans
Repaying education loans can take up a large part of your income. And if you can’t work, it could significantly impact your family’s finances. That’s why this exclusive coverage for residents includes a medical school loan repayment benefit—at no extra cost.
The benefit can pay up to $200,000 to help ease the burden, if you become insured before age 40 and suffer a Permanent covered Total Disability before reaching age 45.
Portable Protection
If you’re insured through your employer, chances are you’ll lose your coverage when residency ends. This coverage can remain with you after the completion of your residency and even if you change jobs or become self-employed. This is an important consideration, since you’re in the early stages of your career.
Personal service from our Insurance Specialists
As a resident, your schedule can be very demanding and carving out time to address your insurance needs might not be high on your list. Our Insurance Specialists are here to help make that process easier and to help you select the disability coverage that meets your unique needs. Our Insurance Specialists are non-commissioned, salaried employees and have no sales quotas to meet. Their sole purpose is to serve you.

Underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
On Policy Form GMR-FACE/G-30639-0
Under Group Policy No. G-30639-0
NEW YORK LIFE and NEW YORK LIFE Box Logo are
trademarks of New York Life Insurance Company. Other
trademarks are the property of their respective owners.
Apply By Mail
Select your state to download an application to apply by mail.
Rates current as of 2021.
AMA-sponsored Disability Income Insurance is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-30639-0 on Policy Forms GMR-FACE/G-30639-0. Coverage may not be available in all states and product features may vary by state.
Quotes are for illustrative purposes only. Rates and Premium credits are reviewed and may change annually. The premium credit is locked in when coverage is issued and is guaranteed for at least the first year of coverage.
Rates are based on your age on the effective date of coverage and your attained age on each renewal date. Depending on plan experience, premiums may change on the program anniversary date (July 1) or your policy annual renewal date (whichever is later).
SMRU #1766472
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Why AMA Insurance?
Our insurance reflects the unique needs of physicians. As a subsidiary of the American Medical Association (AMA), we tap into the power of over one million physicians to offer you specially negotiated benefits from top insurance companies.