University of Tennessee Health Science Center
Graduate Medical Education Disability Insurance Program


The Hildreth Agency is the exclusive servicing agent for the Long Term Disability Insurance Program for the University of Tennessee’s Graduate Medical Education Residents.  We are pleased to provide an outstanding policy through Ohio National Financial Services. 

The policy includes the following valuable benefits:

Tax-Free Monthly Benefit of $1500 (required minimum), $2500, $4000 or $5000
Own Occupation Specialty Specific Definition of Disability
Guaranteed Level Premiums to Age 65
Benefits Begin after 90 Days of Disability
Tax-Free Benefits Payable to Age 65

Plus, the policy can be continued after residency and throughout their career with the highly discounted premiums received at the start of coverage.  Residents can also upgrade the policy with additional enhancements when exiting the GME program, including increasing coverage up to $15,000 per month of tax-free benefit at substantially discounted premiums without medical underwriting.  The coverage amount offered will be based on guaranteed income at their new employment.  We will meet with every resident at exit to discuss this opportunity.

As part of the residents’ benefits package, the University provides a monthly stipend to offset the cost of the disability and life insurance premiums.  Residents should check with their program coordinator to verify the exact amount of the stipend. 

For more detailed information about the policy, please click on the links below:

UT GME Disability Policy Highlights 
A very brief one page flyer that highlights the major benefits of the policy

UT GME Disability Policy Summary
A more robust summary of policy benefits, definitions, limitation and exclusions


For questions regarding the GME Disability Insurance program, please call 865-691-4652 or email