Disability Insurance is provided through UNUM and enrollment is automatic for all Housestaff.

  • The benefit provides 70% income replacement up to $8,000 per month
  • Income replacement continues as long as you cannot perform the material duties of your own occupation (your medical specialty) to age 65
  • The disability benefit is entirely employer-paid


  • Benefits begin on the date full-time active employment begins
  • Coverage ends on the date full-time active employment ends
  • There is an elimination period of 90 days and an exclusion period of five days for pre-existing conditions
  • There are limited conversion rights as long as an application is made within 31 days of termination