Disability Insurance Plan  (Third & Fourth Year Students Only)

The Albany Medical College student group disability insurance policy (755339-a) for third and fourth-year medical students is sponsored by the American Medical Association and underwritten by The Standard Insurance Company.

Students suffering a disabling injury or illness should submit a notice of their disability to The Standard within 30 days of their disability. Disability claim forms are available by clicking the Documents tab.

Disability Income Insurance Plan Certificate

Duration of Benefit

Social Security Normal Retirement Age

Monthly Benefit


Elimination Period

90 days

Definition of Disability

For the first 60 months, unable to perform the duties of a student, after 24 months any occupation by way of education training or experience

Minimum Benefit


Pre-x Waiting Period

3/12 pre-x

Mental and Nervous Limitation

Limits claims payments for mental and nervous claims to 24 Months for each period of continuous disability

Loan Payoff Benefit


COLA Benefit

4 1/2%, 12-month delay

Continuation of Coverage after graduation:

MD Students: MD Students: $2,000 (years 1 and 2) $2,500 (years 3 and thereafter) guaranteed monthly coverage as a Resident will be available upon graduation.

What is not covered: Standard does not cover any period of disability caused, directly or indirectly, by: (a) declared or undeclared war or act of war or armed aggression; (b) your service in the armed forces, National Guard, or military reserves of any state or country; (c) your taking part in a riot or other civil disorder; (d) your commission of, or attempt to commit, a felony; (e) your unlawful use or threat of force on another person without his or her consent; (f) intentional self-injury or attempted suicide while sane or insane; (g) job-related or on-the-job injury; or (h) conditions for which benefits are payable by Workers’ Compensation or life laws.

The Standard does not pay benefits for any period during which you are confined to any facility as a result of your conviction of a crime or public offense.

The Standard does not pay benefits for any period during which you are not under the regular care and treatment of a doctor.

The Standard does not pay benefits for any period of disability that starts before you are insured by this plan. In addition, no benefit will be payable for any period during which your loss of status as a regular full-time student is not due to your disability.

Continuation of Coverage After Graduation: This plan also includes a conversion privilege to continue your disability insurance when you begin residency training. Physicians beginning a residency may convert to a monthly benefit of $2,000. Premiums will increase, and the resident will be billed for the resident disability plan on an individual basis. Premium payments must be made in a timely fashion as defined in the policy, or the coverage will terminate.

For questions regarding your disability insurance plan or to learn more about continuing coverage after graduation, please call:

Health Sciences Assurance Consulting, Inc. (HSAC. Inc.) at 1-888-978-8355 or email shawn@hsac.com.