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. 

New: 2022:   All first year limits now extended to first 24 months post graduatioin 

Medical Fellows & Physician First Two Years*:

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

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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): up to: $5000 Base, $8000 Cat Rider, $15,000 FIO and up to $1000 Month RPP
  
  
• Senior Medical Students: up to: $2500 Base, $2500 Cat Rider, $7500 FIO and up to $1000 Month RPP

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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
   

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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 Specialty Resident: up to $5000 Month Base, $5000 Cat Rider, BPR and up to $1000 Month RPP
  
  
• General Dentist and Dental Anesthesiologist Resident: up to $5000 Month Base, $3500 Cat Rider, BPR and up to $1000 Month RPP
  
  
• Senior Dental Student: up to $2100 Month Base, $2100 Cat Rider, BPR and up to $1000 Month RPP

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Accountant/CPA*:

• Accountant/CPA First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  
  
• Accounting Student (Final Year): up to $1500 Month Base, $1500 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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Architect*:

• Architect First & Second Year: up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP
  
  
• Architect Student (Final Year): up to $1500 Month Base, $1500 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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Attorney*:

• Attorney First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  
• Law School Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

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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
  
  
• MBA Program Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

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Computer Scientist*:

• Computer Science First & Second Year: up to $2500 Month Base, $5000 Cat Rider, $5,000 FIO and up to $1000 Month RPP
  
  
• Computer Science Student (Final Year): up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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Engineer*:

• Degreed Engineer First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and $1000 month RPP
  
  
• Engineer Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 FIO and up to $1000 Month RPP

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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
  
  
• Nurse Practitioner Senior in School: up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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Optometrist*:

• Optometrist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  
• Optometry School Student (Final Year): up to $3000 Month Base, $6000 Cat Rider, $6,000 FIO and up to $1000 Month RPP

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Pharmacist*:

• Pharmacist First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  
• Pharmacy School Student (Final Year): up to $2500 Month Base, $5000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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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
  
  
• Physician Assistant (PA) Senior in School: up to $1500 Month Base, $3000 Cat Rider, $3,000 FIO and up to $1000 Month RPP

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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
  
  
• Podiatry Student (Final Year): up to $1000 Month Base, $2000 Cat Rider, $2,000 FIO and up to $1000 Month RPP

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Psychologist*:

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

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Veterinarian*:

• Veterinarian First & Second Year: up to $4000 Month Base, $8000 Cat Rider, $8,000 FIO and up to $1000 Month RPP
  
  
• Veterinarian Student (Final Year): up to $2000 Month Base, $4000 Cat Rider, $4,000 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.