Disability Insurance

Long-term disability (LTD) insurance protects your ability to earn an income should you suffer a debilitating illness or injury that keeps you from working or attending medical school. The MedPlus Advantage plan, sponsored by the American Medical Association, is designed to meet the unique needs of health care professionals.

Enrolled medical students are eligible for this coverage.

Coverage & Benefits

The MedPlus Advantage plan offers a range of benefits tailored to medical students, including income protection, student loan payoff options, and global emergency services.

Because coverage details may change from year to year, students should always refer to the official AMA Insurance resources for the most current information:

  • Go to the MedPlus Advantage website
  • Enter the UW group ID: 644228
  • Download the medical student plan documents (e.g. certificate of insurance with coverage and benefits details; plan summary highlight sheet; global travel services brochure; etc)

How to Enroll

Enrolling in long-term disability insurance is straightforward, but timing matters. Choose the option that fits your situation:

If you are a new student, you have 31 days from your official start date to enroll without needing to provide your medical history or complete a physical exam.

Steps to Enroll
  1. Complete the Medical Student Group LTD Insurance Plan Application
  2. Write a check for $65.00 payable to “Standard Insurance MPA Program.” In the memo line, note your name and “Policy #644228”
  3. Mail the completed application and check to the address listed on the application

During the annual open enrollment period, you can enroll without needing provide your medical history or complete a physical exam.

Steps to Enroll
  1. Complete the Medical Student Group LTD Insurance Plan Application
  2. Write a check for $65.00 payable to “Standard Insurance MPA Program.” In the memo line, note your name and “Policy #644228”
  3. Mail the completed application and check to the address listed on the application

You can still apply for coverage after your first month of school and/or outside of the open enrollment window, however you will need to:

  • Complete a medical history statement
  • Possibly undergo a physical exam
  • Wait for approval before coverage begins
Steps to Enroll
  1. Complete the Medical Student Group LTD Insurance Plan Application
  2. Complete the Medical History Statement
  3. Write a check for $65.00 payable to “Standard Insurance MPA Program.” In the memo line, note your name and “Policy #644228”
  4. Mail the completed forms and check to the address listed on the application
  5. If requested by the insurer (after your application is received and reviewed), complete a physical exam

File a claim

Standard Insurance must receive written notice of a claim before the end of the 90-day elimination period. For assistance in filing a claim, contact the plan at 1-888-627-6618.