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. We highly encourage you to purchase this policy, or a similar one of your choosing.

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) for your review.

How to Enroll

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

If you are an E26 student, you have from August 1, 2026 to August 31, 2026 to enroll without needing to provide your medical history or complete a physical exam.

Steps to Enroll

Information regarding enrollment will be provided by August 1, 2026.

During the annual open enrollment period, you can enroll without needing to provide your medical history or complete a physical exam. The open enrollment period is August 1, 2026 to August 31, 2026.

Steps to Enroll

Information regarding enrollment will be provided by August 1, 2026.

You can still apply for coverage 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

Information regarding enrollment will be provided by August 1, 2026.

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.