# Can I get disability insurance as a resident with type 1 diabetes? **Jay Weinberg, CLU, ChFC** Physician disability insurance specialist · PGY1 Financial Solutions · Updated October 30, 2026 Short answer It depends on who you go to. If you go to an insurance professional that can't offer you a GSI policy, it's highly unlikely you'd be able to get a policy. You'd likely be declined. If you go to a GSI agent and you haven't previously disqualified yourself, you can likely have a very comprehensive policy within one week. [Jay Weinberg answers: Can I get disability insurance as a resident with type 1 diabetes? (video)](https://www.pgy1.com/assets/video/disability-insurance-type-1-diabetes.mp4) A short clip from his webinar for residents and fellows, with captions. [Watch the full webinar from 21:06](https://www.youtube.com/watch?v=zWMMN99n4a8&t=1266s) ## A non-GSI agent Unfortunately, I see situations like this all the time. Let's say we have a resident that's a type 1 diabetic. If you go to an insurance professional that cannot offer you a GSI policy, it's highly unlikely that you would be able to get a policy. You would likely be declined. ## A GSI agent Now, if you go to a GSI agent and you have not previously disqualified yourself, you can likely have yourself a very, very comprehensive policy within one week that has all the right bells, whistles and features. With a medically underwritten policy, they look at your medical records, the pharmacy database, insurance company billing codes and family history. With a GSI policy, they simply ask you a few eligibility questions. ## Don't disqualify yourself first If you apply for a medically underwritten policy prior to getting a GSI policy, you will likely disqualify yourself from GSI eligibility. So before engaging an insurance professional, ask two questions. Is there a GSI policy available to the residents and fellows at my hospital? And if there is, can you offer it? ## Where Jay covers this Jump to each moment in his webinars. - [Disability Insurance for Residents and Fellows (Winter 2027)](https://www.youtube.com/watch?v=zWMMN99n4a8&t=1266s) - [Disability Insurance for Residents and Fellows (Winter 2027)](https://www.youtube.com/watch?v=zWMMN99n4a8&t=1324s) - [Disability Insurance for Residents and Fellows (Winter 2027)](https://www.youtube.com/watch?v=zWMMN99n4a8&t=792s) - [Disability Insurance for Residents and Fellows (Winter 2027)](https://www.youtube.com/watch?v=zWMMN99n4a8&t=1202s) Does your hospital have a GSI policy? [Look up your hospital](https://www.pgy1.com/gsi/) on Jay's list of teaching hospitals with a GSI, or email [jay@pgy1.com](mailto:jay@pgy1.com) with where you're training. [Start the questionnaire](https://www.pgy1.com/#questionnaire-embed) --- PGY1 Financial Solutions Corp · Jay Weinberg, CLU, ChFC · independent disability insurance broker for residents, fellows and physicians · (609) 432-8862 · jay@pgy1.com Start here: [2-minute questionnaire](https://www.pgy1.com/) · [Does your hospital have a GSI policy?](https://www.pgy1.com/gsi/) · [All questions](https://www.pgy1.com/questions/) General information from Jay's webinars, not advice for your situation. Policy details vary by hospital, state and insurance company.