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Indiana University Medical Student Disability Insurance Coverage overview


All IUSM medical students are provided group disability coverage through the Med Plus Advantage group trust policy sponsored through the American Medical Association and issued by Standard Insurance Company of Oregon policy number #644180-A. This policy’s design meets the specialized needs of our medical students. Below is general information about the policy. For the full policy terms, contact Lee Moore (contact information listed below). All claims settled based on the policy itself.

  • Monthly benefit of $1,500 payable after 90 days of disability with benefits payable to Age 67 (or Social Security normal retirement age if longer) for qualifying disabilities.
  • Payment of benefits is limited to 24 months during your lifetime for a disability caused by a mental disorder or substance abuse. However, if confined to a hospital solely because of a mental disorder at the end of the 24-month period this limitation will not apply while you remain continuously confined to the hospital.
  • Definition of Disability relates to ability to actively participate in school during the first 60 months of your disability; thereafter must also be unable to perform with reasonable continuity the material duties of any occupation
  • Loan Payoff benefit provided that can repay up to $200,000 of eligible student loans for qualifying total and permanent disabilities

To obtain a copy of the policy in its entirety or specific questions about this coverage or to file a claim, contact Lee D. Moore at or call his office at 317-558-1012.

Read IUSM insurance policy for medical students FAQs


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IU School of Medicine

With more than 60 academic departments and specialty divisions across nine campuses and strong clinical partnerships with Indiana’s most advanced hospitals and physician networks, Indiana University School of Medicine is continuously advancing its mission to prepare healers and transform health in Indiana and throughout the world.