Special Limits for New Professionals Program

The Special Limits for New Professionals Program helps eligible new professionals obtain high-quality disability income insurance without proof of income.  Our popular graded premium option can help to make the initial cost of coverage more affordable while you are establishing your new career. 

Medical Fellows & Physician First Two Years*:

• $7500 Month Base, $8000 Cat Rider, $22,500 FIO and up to $1000 Month RPP

Return To Top

Medical Residents and Students*:

• Note: Medical Residents are eligible for the higher above first-year medical limits if within 6 months of their
  program graduation date.
  
  
• Residents (All Years) and Senior Students: up to: $5000 Base, $8000 Cat Rider, $15,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Dentist First & Second Year*:

• General Dentists & Dental Anesthesiologists: up to $5000 Month Base, $5000 Cat Rider, BPR and up to $1000 Month RPP
  
  
• Endodontists, Oral Surgeons, Orthodontists, Pediatric Dentists, Periodontists & Prosthodontists: up to $7500 Month Base, $7500 Cat Rider, BPR and up to $1000 Month RPP
   

Return To Top

Dental Residents and Students*:

• Note: Dental Residents are eligible for the higher above first-year dental limits if within 6 months of their program graduation date.
  
  
• Dental Resident and Senior Students: up to $5000 Month Base, $5000 Cat Rider, BPR and up to $1000 Month RPP
  
  

Return To Top

Accountant/CPA*:

• Accountant/CPA First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Architect*:

• Architect First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Attorney*:

• Attorney First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  

Return To Top

Business Professional & Data Analysts*:

• MBA Professional First & Second Year: up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

Return To Top

Computer Scientist*:

• Computer Science First & Second Year: up to $2500 Month Base, $5000 Cat Rider, $5,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Engineer*:

• Degreed Engineer First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and $1000 month RPP
  
  

Return To Top

Nurse Practitioner*:

• Nurse Practitioner First & Second Year (Certified): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  

Return To Top

Optometrist*:

• Optometrist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Pharmacist*:

• Pharmacist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  

Return To Top

Physician Assistant*:

• Physician Assistant (PA) First & Second Year (Certified): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  
  

Return To Top

Podiatrist*:

• Podiatrist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  
• Podiatry Resident: up to $1000 Month Base, $2000 Cat Rider, $2,000 FIO and up to $1000 Month RPP

Return To Top

Psychologist*:

• Psychologist PhD First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP

Return To Top

Veterinarian*:

• Veterinarian First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  

*All applicants (except in NY or CA) who qualify under our Special Limits for New Professionals Program are eligible for up to $1,000 of RPP (rider or stand-alone policy). RPP is not available in CA. Applicants in NY who qualify under our Special Limits for New Professionals Program may apply for RPP; however normal financial underwriting guidelines for RPP will apply and applicants must be contributing to a qualified plan that has been in existence for at least one year.  3D Dentists are not eligible for the FIO rider.