1938 Security Drive,
Corto Financial is the only group in the country to offer a GSI - Guaranteed Standard Issue own occupation physician specific policy to the Residents and Fellows of University Of Miami Health System through the offer from Ameritas with up to 30% discounts. This GSI disability policy offer is not a part of University Of Miami Health System benefits, nor endorsed by the administration or HR department of University Of Miami Health System, this special offer is independently offered through a voluntary program set up by Corto Financial and Ameritas for the benefit of the residents and fellows of University Of Miami Health System.
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According to the Milliman 2021 Annual Survey of the U.S. Individual Disability Income Insurance Market, 50% of individual disability insurance policies are either modified (34%) or declined (16%). A GSI plan avoids this and reduces the approval process from a matter of weeks or months to a matter of days.
Disability insurance underwriting is extensive. Underwriters will review your prescription history, driving record, avocations and will typically obtain and review your medical records. An issue in any one of these categories can pose a problem.
Disability insurance medical underwriting is not like the clinical medicine you are practicing. The insurance companies must group you together with similar risks, consider the risk that the condition(s) will impair your ability to practice your specialty, and consider the likelihood for future recurrence/relapse. They do not know who will have a problem in the future, only that someone or many will. This means that many conditions that you have recovered from can and probably will, particularly if within the last five years, be excluded from coverage or result in limited provisions or benefits.