"Resident Forum: Resident Disability Insurance"

Important note: Information in this article was accurate in 1990. The state of the art may have changed since the publication date.

"Resident Forum: Resident Disability Insurance"

Journal of the American Medical Association (12/19/90) Vol. 264, No. 23, P. 3070
Kulick, Belle

Abstract: The American Medical Association (AMA) discussed disability insurance policies for residents and medical students at risk for HIV and ratified several reports that recommended HIV education, prevention, and affordable disability coverage at its 1990 annual meeting. The body adopted "HIV-Infected Health Care Workers" and Disability Insurance for Medical Students and Residents," reports which discuss the availability and financing of such policies. The report's authors preferred disability insurance over workers' compensation because disability does not require proof of occupational infection for benefits eligibility. Limited policies are available for residents, but they usually specify a monthly maximum cash benefit inadequate for someone with HIV. Many such policies are not widely marketed, many medical schools do not provide disability to residents, and very few students and residents take advantage of such policies when they are offered. The AMA is working with the Health Insurance Association of America to offer supplemental disability at affordable rates.

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