The University of Toledo HSC (UT HSC) group disability insurance policy (G384376) was developed by Health Sciences Assurance Consulting, Inc. (HSAC) in collaboration with the office of Student Affairs. The insurance plan was developed to meet unique needs faced by medical students and is periodically updated based upon input from students and advisors. Working exclusively within the academic Health Sciences community; HSAC has provided informative insurance seminars for student, resident and practitioners to assist them in better understanding and managing their insurance programs. HSAC works only with companies rated A or better by A.M. Best, a leading authority on rating insurance companies.

The UT HSC sponsored group disability plan is underwritten by The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004, rated A++ (superior) by A.M. Best. The rating of The Guardian Life Insurance Company of America reflects the company’s conservative operating strategy, its superior capitalization, high quality investment portfolio and excellent liquidity position.

Students suffering a disabling injury or illness should submit notice of their disability to Guardian within 30 days of their disability. Disability claim forms are available from the Office of Student Affairs.

Disability Income Insurance Plan Benefit Certificate


Duration of Benefit

Social Security Normal Retirement Age

Monthly Benefit


Elimination Period

90 days

Definition of Disability

For the first 24 months, unable to perform the duties of a student, after 24 months any occupation by way of education training or experience

Offset with Partial Earnings

50% of any current monthly earnings you earn while disabled

Minimum Benefit


Pre-x Waiting Period

3/12 pre-x

Mental and Nervous Limitation

Limits claims payments for mental and nervous claims to 24 Months Lifetime

Loan Payout Benefit


Survivor's Benefit

3 Times the Monthly Benefit

COLA Benefit

3%, 48 month delay, unlimited adjustments

Continuation of Coverage after graduation:

Students: Up to $4,000 of individual own occupation disability insurance coverage will be available upon graduation. 


Student Assistance Program: Guardian provides the following confidential services to students as part of the Disability plan:

• Telephonic consultation with an SAP Counselor

• 3 free sessions with a local counselor

• Web site with information on wellness, a legal and financial center and more

For additional information, please contact Guardian Work Life Matters at (800) 386-7055 or online at

What is not covered: Guardian does not cover any period of disability caused, directly or indirectly, by: (a) declared or undeclared war or act of war or armed aggression; (b) your service in the armed forces, National Guard, or military reserves of any state or country; (c) your taking part in a riot or other civil disorder; (d) your commission of, or attempt to commit, a felony; (e) your unlawful use or threat of force on another person without his or her consent; (f) intentional self-injury or attempted suicide while sane or insane; (g) job related or on-the-job injury; or (h) conditions for which benefits are payable by Workers’ Compensation or life laws.

Guardian does not pay benefits for any period during which you are confined to any facility as a result of your conviction of a crime or public offense.

Guardian does not pay benefits for any period during which you are not under the regular care and treatment of a doctor.

Guardian does not pay benefits for any period of disability which starts before you are insured by this plan. In addition, no benefit will be payable for any period during which your loss of status as a regular full-time student is not due to your disability.


This plan includes an important conversion privilege to convert your disability coverage into the Guardian Pro-Vider Plus individual non-cancellable own-occupation disability plan (once converted your policy can never be cancelled or your rates increased). The conversion privilege is guarantee issue for all students with no medical underwriting.

For questions regarding your disability insurance plan or to learn more about continuing coverage after graduation please call:

Health Sciences Assurance Consulting, Inc. (HSAC. Inc.) at 1-888-978-8355 or email  

Please note that the benefit summary is intended to provide only an overview of the important benefit features of the UCHC disability plan. The Certificate of Insurance shall be the final determinant of actual coverage and claims administration.