Many residents and fellows are not aware that they may have the ability of getting an individual disability insurance program with a discount of 10% to 30% per year or more just by signing up while in training and the discount is portable when they leave. Majority of the hospitals in all cities in the US have programs through various carriers. We can also explain how to go about requesting a discount for yourself, your residency program or your friends in training if no discount programs currently exist in your Hospital or department.