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University of South Florida Morsani College of Medicine

Policy #644213

(View the Policy Coverage.)


Medical Students

(Check or Money Order for $72.96 payable to UMSA)

Schedule of Benefits: Disability Income

􀀀 $2,000 Monthly Benefit
􀀀 90 Day Elimination Period
􀀀 6 month /12 month Pre-Existing Condition
􀀀 Length of Benefit to 65 (SSNRA) – Social Security Normal Retirement Age
􀀀 $2,000/$2,500 monthly benefit available during residency on guaranteed issue basis
􀀀 24 Month M&N Limit: mental & nervous disabilities limited to 24 months of benefits
􀀀 $3,000 Income Offset
􀀀 Assisted Living Benefit (ALB)
􀀀 $5,000 Lump Sum after 12 months of permanent and total disability
􀀀 5 Year Student Definition: unable to perform duties of a student in good standing
􀀀 School Loan Provision: up to $200,000 at the end of 12 months for permanent & total disability


Annual Premium Rate$72.96
Coverage Period08/01/2018 - 07/31/2019


The Schedule of Benefits is a summary of coverage for verification purposes and the Certificate of Insurance shall be the final determinant of actual coverage and claims administration.



AMA Insurance Agency, Inc. 1-800-458-5736
Professional Benefit Consultants, Inc. 1-866-960-6337
Standard Insurance Company
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