Disability insurance discount programs

Employees, residents, and members of the organizations listed below can typically qualify for a discount of around 10 to 25 percent on an individually owned disability insurance policy through one or more of the five carriers Seaworthy places. Search by employer, hospital, university, residency program, or association.

597 Organizations listed
47 States, plus DC
10 to 25% Discount range
Sept. 14, 2026 Lists last rebuilt

How employer and program discounts work

Each of the five carriers we place prices its individual policies lower when a small group of people, typically three or more, from the same employer, training program, or association buy coverage through it. The carriers call these multi-life, employer, professional group, resident, or association programs. Once a program exists, a single new applicant from that organization generally gets the discounted rate without needing colleagues to apply at the same time. The policy is the same fully underwritten, individually owned contract anyone can buy, and in the programs we place the discount typically stays on the policy after the insured leaves the employer or finishes training.

The discount is one of several inputs. A program can sit with a carrier whose contract is not the strongest fit for a given profession or state, so the agency runs the discounted carrier against the other four on every comparison and lets the after-discount premium and the contract language decide together. The carrier behind each program is identified on the quote.

Residents, fellows, and new professionals

Residents and fellows have the widest access. In the residency cases we quote, a resident or fellow can typically qualify for a discount of around 10 to 20 percent at one or more of the carriers we place, whether or not the program appears in the directory, and the training programs listed below are the ones with a named program on file. New white-collar professionals within a year of graduation can typically qualify for around 10 percent at one carrier under a program that is not tied to any employer.

What the directory covers

The directory is built from the current program lists of the carriers we place and from the agency's own enrolled groups, and it was last rebuilt on September 14, 2026. Programs open and close, so an organization missing here may still qualify and an entry here is confirmed at quote time. No organization on this page sponsors, endorses, or is affiliated with Seaworthy Insurance. The names identify whose employees, residents, or members a program serves.

Search the directory

Type an employer, hospital, university, program, or association name. Filter by category or state. Discounts are shown as the approximate tier the carrier program documents and are applied on the quote.

597 organizations

Hospitals and health systems 185

Hospitals and health systems with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
Abrazo Health (Tenet) Goodyear, AZ Employees and residents ~10-20%
Advocate Aurora Health WI Employees ~20%
Advocate Christ Med Hometown, IL Employees ~10%
Advocate Health Chicago, IL Employees and residents ~10-20%
Advocate Lutheran IL Employees ~20%
Allegheny Health Network PA Employees ~20%
Allina Health Minneapolis, MN Employees ~20%
Ascension Healthcare Rochester Hills, MI Employees ~20%
Atlanta VA Medical Center (Emory) GA Employees ~25%
Atlantic Health System (Morristown Medical Center) Morristown, NJ Employees and residents ~10-20%
Atrium Health Charlotte, NC Employees ~10%
Baptist Memorial TN Employees ~20%
Barton Memorial Hospital CA Employees ~20%
Bayfront Medical FL Employees ~20%
Bayhealth DE Employees ~20%
Baylor Scott & White Temple, TX Employees and residents ~10-20%
Beth Israel Deaconess Medical Center Boston, MA Employees and residents ~10-20%
Beth Israel Hospital NJ Employees ~20%
Beth Israel Medical Jericho, NY Employees ~10%
Botsford Hospital MI Employees ~20%
Bridgeport Hospital Bridgeport, CT Employees and residents ~10-20%
Brigham and Women's Hospital Boston, MA Employees and residents ~10-20%
Bronson Hospital MI Employees ~20%
BronxCare Health System (formerly Bronx Lebanon Hospital) Bronx, NY Employees and residents ~10-20%
CA Pacific Medical Center CA Employees ~20%
Cambridge Hospital Cambridge, MA Employees and residents ~10-20%
Carle Foundation Hospital IL Employees ~20%
Carolinas Medical Center (Atrium Health) Charlotte, NC Employees and residents ~10-20%
Catholic Health System NY Employees ~20%
Cedars Sinai Los Angeles, CA Employees and residents ~10-20%
Children's Hospital Colorado Denver, CO Employees ~10%
Children's Hospital of Minnesota MN Employees ~20%
Children's Hospital of Philadelphia (CHOP) Philadelphia, PA Employees and residents ~10-20%
Christus Health TX Employees ~20%
Cincinnati Children's Hospital Cincinnati, OH Employees ~10%
Cleveland Clinic OH Employees ~20%
Columbia University Irving Medical Center New York, NY Employees and residents ~10-20%
Cookeville Regional Medical Center Cookeville, TN Employees ~10%
Coordinated Health Bethlehem, PA Employees ~10%
Corewell Health (formerly Beaumont Health) Royal Oak, MI Employees and residents ~10-20%
Covenant Health Care Saginaw, MI Employees ~10%
Crittenton Hospital MI Employees ~20%
Danbury Hospital Danbury, CT Employees and residents ~10-20%
Denver Health CO Employees ~20%
Detroit Medical Center Detroit, MI Employees and residents ~10-20%
Dignity Health Medical Foundation CA Employees ~20%
Essentia Health Duluth, MN Employees ~20%
Evanston Hospital IL Employees ~20%
Geisinger Health Danville, PA Employees and residents ~10-20%
Good Samaritan (West Islip) NY Employees ~20%
Hanford Community Hospital Hanford, CA Employees ~10%
Hartford HealthCare CT Employees and residents ~10-20%
HCA Midwest Health Overland Park, KS Employees ~20%
Health First FL Employees ~20%
Health Partners (Regions Medical) MN Employees ~20%
Hennepin County Medical Center Minneapolis, MN Employees ~10%
Henry Ford Health System MI Employees ~20%
Henry Ford Macomb Hospital Clinton Township, MI Employees and residents ~10-20%
Hollywood Presbyterian CA Employees ~20%
Hospital for Special Surgery New York, NY Employees and residents ~10-20%
Inova Medical VA Employees ~20%
Inspira Health Woodbury, NJ Employees and residents ~10-20%
Intermountain Healthcare UT Employees ~20%
Jackson Memorial Hospital Miami, FL Employees and residents ~10-20%
James A. Haley Veterans' Hospital Tampa, FL Employees ~25%
Jersey City Medical Center Jersey City, NJ Employees and residents ~10-20%
JFK Hospital Edison, NJ Employees ~10%
John Muir Medical Center CA Employees ~20%
Kaiser (Pasadena) CA Employees ~20%
Kern Medical Center Bakersfield, CA Employees and residents ~10-20%
Kettering Health Dayton, OH Employees and residents ~10-20%
Kingman Regional Medical Center (KRMC) Kingman, AZ Employees and residents ~10-20%
LAC+USC Medical Center Los Angeles, CA Employees ~10%
Lahey Medical Center MA Employees ~20%
Lakeland Regional Health FL Employees ~20%
Lehigh Valley Health Network Bethlehem, PA Employees and residents ~10-20%
Lexington Medical Center SC Employees ~20%
LifeBridge Health Baltimore, MD Employees and residents ~10-20%
Lifepoint Health System TN Employees ~20%
Loma Linda Loma Linda, CA Employees ~20%
Louisville Behavioral Health Systems Louisville, KY Employees ~10%
Loyola University Medical Center Maywood, IL Employees and residents ~10-20%
Maimonides Medical Center Brooklyn, NY Employees and residents ~10-20%
Main Line Health Wynnewood, PA Employees and residents ~10-20%
Maine Health (Memorial Hospital) ME Employees ~20%
Maricopa County Hospital AZ Employees ~20%
Maricopa Integrated Phoenix AZ Employees ~20%
Massachusetts General Hospital Boston, MA Employees and residents ~10-20%
Mather Hospital Port Jefferson, NY Employees ~10%
McLaren Health System Flint, MI Employees ~10%
Medical College of Wisconsin Milwaukee, WI Employees ~20%
MedStar Washington Hospital Center DC Employees and residents ~10-20%
Memorial Hermann (Texas Medical Center) TX Employees ~20%
Memorial Hospital York, PA Employees ~10%
Memorial Sloan Kettering New York, NY Employees and residents ~10-20%
Mercy Hospital MO Employees ~20%
Mercy Hospital Iowa Cedar Rapids, IA Employees ~10%
Methodist Hospital (Houston) TX Employees ~20%
Metro Health Hospital Grand Rapids, MI Employees ~10%
Mid Florida Hospital Winter Springs, FL Employees ~10%
Missouri Baptist / BJC Healthcare MO Employees ~20%
Mount Sinai Health System New York, NY Employees and residents ~10-20%
Mount Sinai Medical Center (Miami Beach) Miami Beach, FL Employees and residents ~10-20%
Nash General Hospital NC Employees ~20%
New Hanover Medical Center NC Employees ~20%
New York Methodist Hospital Brooklyn, NY Employees and residents ~10-20%
NewYork-Presbyterian Hospital NY Employees and residents ~10-20%
North Memorial Hospital MN Employees ~20%
Northshore Hospital NY Employees ~20%
Northshore University Health System IL Employees ~20%
Northside Hospital GA Employees ~20%
Northwell Health New Hyde Park, NY Employees and residents ~10-20%
Novant Health NC Employees ~20%
NYU Langone Health New York, NY Employees and residents ~10-20%
Ochsner Health New Orleans, LA Employees and residents ~10-20%
Ohio State University Wexner Medical Center Columbus, OH Employees and residents ~10-20%
Oregon Health and Science University Portland, OR Employees and residents ~10-20%
OSF HealthCare IL Employees ~20%
PAGNY (Physician Affiliate Group of NY) NY Employees ~20%
Parkland Memorial TX Employees ~20%
Parkview Health IN Employees ~20%
Phelps County Regional Medical Center Rolla, MO Employees ~10%
Phoenix Children's Hospital AZ Employees ~20%
Presbyterian Hospital TX Employees ~20%
Prisma Health (formerly Palmetto Health) Columbia, SC Employees and residents ~10-20%
ProMedica Toledo Hospital OH Employees ~20%
Providence Hospital CA Employees ~20%
Queen's Medical Center Honolulu, HI Employees ~10%
Renown Health NV Employees ~20%
Rush University Medical Center Chicago, IL Employees and residents ~10-20%
RWJBarnabas Health Belleville, NJ Employees ~20%
Saint Anthony's Medical Center St Louis, MO Employees ~10%
Saint Francis Hospital and Medical Center Hartford, CT Employees ~10%
Saint Luke's Hospital New York, NY Employees ~10%
Samaritan Health Services OR Employees ~20%
San Juan Regional Medical Center NM Employees ~20%
Sanford Health SD Employees ~20%
Scottsdale Healthcare AZ Employees ~20%
Sentara Healthcare VA Employees ~20%
Sinai Hospital MD Employees ~20%
Spartanburg Regional Medical Center SC Employees ~20%
St Joseph Hospital Houston, TX Employees ~10%
St. Agnes Medical / Trinity Health Network CA Employees ~20%
St. Barnabas Hospital (Bronx) Bronx, NY Employees and residents ~10-20%
St. Elizabeth's Medical Center KY Employees ~20%
St. Francis Hospital SC Employees ~20%
St. Joseph's Health Hospital NY Employees ~20%
St. Luke's Hospital of Duluth Duluth, MN Employees ~10%
St. Luke's Regional Medical Center ID Employees ~20%
St. Luke's University Health Network Bethlehem, PA Employees and residents ~10-20%
St. Mary's General Hospital / Prime Healthcare NJ Employees ~20%
St. Mary's Healthcare MO Employees ~20%
St. Mary's Hospital CT Employees ~20%
St. Mary's Hospital Medical CA Employees ~20%
St. Vincent's Medical Center OH Employees ~20%
Stanford Hospital & Clinics Stanford, CA Employees ~10%
Staten Island University Hospital (Northwell Health) NY Employees ~20%
SUNY Downstate Brooklyn, NY Employees and residents ~10-20%
Sutter Health (Memorial Hospital, Fresno) CA Employees ~20%
Sutter Medical Center (Sacramento) CA Employees ~20%
Swedish Hospital IL Employees ~20%
Thomas Jefferson University Philadelphia, PA Employees and residents ~10-20%
Trinity Health of New England CT Employees ~20%
Trinity Mercy Health MI Employees ~20%
Truman Medical Center MO Employees ~20%
UMass Memorial Medical Center Worcester, MA Employees ~10%
University at Buffalo Buffalo, NY Employees and residents ~10-20%
University Hospital Hospitalist Group Augusta, GA Employees ~10%
University Hospitals Cleveland Cleveland, OH Employees and residents ~10-20%
University of Kansas Medical Center Kansas City, KS Employees and residents ~10-20%
University of Mississippi Medical Center (UMMC) Jackson, MS Employees and residents ~10-20%
University of Rochester Rochester, NY Employees and residents ~10-20%
UPMC (University of Pittsburgh Medical Center) Pittsburgh, PA Employees ~20%
UPMC Hamot Erie, PA Employees ~10%
VA Portland Health Care System OR Employees ~25%
Valley Medical Center NJ Employees ~20%
Vanderbilt University Medical Center Nashville, TN Employees and residents ~10-20%
Vidant Medical Center NC Employees ~20%
Wake Medical Raleigh, NC Employees ~10%
Washington University St Louis, MO Employees ~20%
WellSpan York Hospital York, PA Employees and residents ~10-20%
Wellstar Medical GA Employees ~20%
Westchester Medical Center Valhalla, NY Employees and residents ~10-20%
White Plains Hospital NY Employees ~20%
Yale New Haven New Haven, CT Employees ~20%

Residency, fellowship, and training programs 283

Residency, fellowship, and training programs with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
A.T. Still University, Arizona School of Dentistry & Oral Health Mesa, AZ Residents, fellows, and trainees ~10-20%
A.T. Still University, Missouri School of Dentistry Kirksville, MO Residents, fellows, and trainees ~10-20%
Advanced Dermatology and Cosmetic Surgery Maitland, FL Residents, fellows, and trainees ~10-20%
Advent Health Orlando, FL Residents, fellows, and trainees ~10-20%
Alameda County Medical Center (Highland Hospital) Oakland, CA Residents, fellows, and trainees ~10-20%
Albany Medical Center Albany, NY Residents, fellows, and trainees ~10-20%
Andrews Institute Gulf Breeze, FL Residents, fellows, and trainees ~10-20%
Anne Arundel Med Ctr Annapolis, MD Residents, fellows, and trainees ~10-20%
Arnot Ogden Medical Center Elmira, NY Residents, fellows, and trainees ~10-20%
Arrowhead Regional Medical Colton, CA Residents, fellows, and trainees ~10-20%
Ascension Macomb - Oakland Hospital Warren, MI Residents, fellows, and trainees ~10-20%
Ascension Providence Southfield, MI Residents, fellows, and trainees ~10-20%
Augusta University Augusta, GA Residents, fellows, and trainees ~10-20%
Aultman Hospital Canton, OH Residents, fellows, and trainees ~10-20%
Aventura Health Med Aventura, FL Residents, fellows, and trainees ~10-20%
Banner Health Phoenix, AZ Residents, fellows, and trainees ~10-20%
Baptist Memorial Hosp Columbus, MS Residents, fellows, and trainees ~10-20%
Barnes-Jewish Hospital / Washington University St Louis, MO Residents, fellows, and trainees ~10-20%
Baylor College of Med Houston, TX Residents, fellows, and trainees ~10-20%
Baystate Medical Center Springfield, MA Employees and residents ~10-20%
Bellevue Hospital Center New York, NY Residents, fellows, and trainees ~10-20%
Berkshire Med Center Pittsfield, MA Residents, fellows, and trainees ~10-20%
Boston Medical Center Boston, MA Employees and residents ~10-20%
Boston University Boston, MA Residents, fellows, and trainees ~10-20%
Brookdale Hospital Brooklyn, NY Employees and residents ~10-20%
Brooklyn Hospital Brooklyn, NY Residents, fellows, and trainees ~10-20%
Brookwood Baptist Birmingham, AL Residents, fellows, and trainees ~10-20%
Broward Health Fort Lauderdale, FL Employees and residents ~10-20%
Brown University Providence, RI Residents, fellows, and trainees ~10-20%
Campbell Univ Medical School Buies Creek, NC Residents, fellows, and trainees ~10-20%
Carilion Clinic Roanoke, VA Residents, fellows, and trainees ~10-20%
Case Western Dental Cleveland, OH Residents, fellows, and trainees ~10-20%
Case Western Reserve University Cleveland, OH Residents, fellows, and trainees ~10-20%
Central MI University Saginaw, MI Residents, fellows, and trainees ~10-20%
Christ Hospital Jersey City, NJ Residents, fellows, and trainees ~10-20%
Christiana Care Health Newark, DE Employees and residents ~10-20%
Cleveland Clinic Weston Hospital Weston, FL Residents, fellows, and trainees ~10-20%
CommonSpirit Health Chicago, IL Residents, fellows, and trainees ~10-20%
Community Memorial Hospital Ventura, CA Residents, fellows, and trainees ~10-20%
Conemaugh Memorial Medical Center Johnstown, PA Residents, fellows, and trainees ~10-20%
Coney Island Hospital Brooklyn, NY Residents, fellows, and trainees ~10-20%
Cook County Health Chicago, IL Residents, fellows, and trainees ~10-20%
Cooper Hospital Camden, NJ Residents, fellows, and trainees ~10-20%
Cornell University New York, NY Residents, fellows, and trainees ~10-20%
Creighton Univ Phoenix Phoenix, AZ Residents, fellows, and trainees ~10-20%
Crozer Chester Medical Center Upland, PA Employees and residents ~10-20%
CUNY School of Medicine New York, NY Residents, fellows, and trainees ~10-20%
Dartmouth Hitchcock Medical Center Lebanon, NH Residents, fellows, and trainees ~10-20%
Deaconess Family Medical Residency Evansville, IN Residents, fellows, and trainees ~10-20%
Deborah Heart & Lung Browns Mills, NJ Residents, fellows, and trainees ~10-20%
Des Moines University Des Moines, IA Residents, fellows, and trainees ~10-20%
Desert Regional Medical Center Palm Springs, CA Residents, fellows, and trainees ~10-20%
Dignity Health Phoenix, AZ Residents, fellows, and trainees ~10-20%
Doctors Hospital / Ohio Health Columbus, OH Residents, fellows, and trainees ~10-20%
Drexel University Philadelphia, PA Residents, fellows, and trainees ~10-20%
Duquesne University Pittsburgh, PA Residents, fellows, and trainees ~10-20%
East Carolina Univ Greenville, NC Residents, fellows, and trainees ~10-20%
East Tennessee State U Quillen College of Medicine Johnson City, TN Residents, fellows, and trainees ~10-20%
Edward Via College of Osteopathic Medicine Blacksburg, VA Residents, fellows, and trainees ~10-20%
El Paso Children's Hospital El Paso, TX Residents, fellows, and trainees ~10-20%
Elmhurst Hospital Elmhurst, NY Residents, fellows, and trainees ~10-20%
Emory University Atlanta, GA Employees and residents ~10-20%
Evergreen Health Kirkland, WA Residents, fellows, and trainees ~10-20%
Excela Health Latrobe, PA Residents, fellows, and trainees ~10-20%
FAU Health Boca Raton, FL Residents, fellows, and trainees ~10-20%
Floyd Medical Center Rome, GA Residents, fellows, and trainees ~10-20%
Flushing Hospital Flushing, NY Residents, fellows, and trainees ~10-20%
GA School of Orthodontia Atlanta, GA Residents, fellows, and trainees ~10-20%
Garden City Hospital Garden City, MI Employees and residents ~10-20%
Genesys Regional Medical Grand Blanc, MI Residents, fellows, and trainees ~10-20%
George Washington Washington, DC Residents, fellows, and trainees ~10-20%
Georgetown University / MedStar Health Washington, DC Residents, fellows, and trainees ~10-20%
Grand Strand Medical Myrtle Beach, SC Residents, fellows, and trainees ~10-20%
Gwinnett Medical Center Lawrenceville, GA Residents, fellows, and trainees ~10-20%
Hackensack University Hackensack, NJ Employees and residents ~10-20%
Hamilton Medical Ctr Dalton, GA Residents, fellows, and trainees ~10-20%
Harbor-UCLA Medical Center Torrance, CA Residents, fellows, and trainees ~10-20%
Harlem Hospital New York, NY Residents, fellows, and trainees ~10-20%
Harvard University Dental School Boston, MA Residents, fellows, and trainees ~10-20%
Hawaii Island Family Hilo, HI Residents, fellows, and trainees ~10-20%
HCA Eastern Idaho Regional Medical Center Idaho Falls, ID Residents, fellows, and trainees ~10-20%
HCA Healthcare California Riverside, CA Residents, fellows, and trainees ~10-20%
HCA Houston Healthcare Kingwood Kingwood, TX Residents, fellows, and trainees ~10-20%
HCA Largo Largo, FL Residents, fellows, and trainees ~10-20%
HCA Sunrise Health (Las Vegas) Las Vegas, NV Residents, fellows, and trainees ~10-20%
Hoboken University Medical Center Hoboken, NJ Residents, fellows, and trainees ~10-20%
Howard Univ Medical Washington, DC Residents, fellows, and trainees ~10-20%
Howard University Dental School Washington, DC Residents, fellows, and trainees ~10-20%
Idaho State University Pocatello, ID Residents, fellows, and trainees ~10-20%
Indiana University School of Dentistry Indianapolis, IN Residents, fellows, and trainees ~10-20%
Institute for Family Health New York, NY Residents, fellows, and trainees ~10-20%
INTEGRIS Health Southwest Oklahoma City, OK Residents, fellows, and trainees ~10-20%
Interfaith Medical Brooklyn, NY Residents, fellows, and trainees ~10-20%
Jacobi Hospital Bronx, NY Residents, fellows, and trainees ~10-20%
Jamaica Hospital & Medical Center Jamaica, NY Residents, fellows, and trainees ~10-20%
James Madison University Harrisonburg, VA Residents, fellows, and trainees ~10-20%
Jefferson Einstein Hospital (formerly Albert Einstein) Philadelphia, PA Residents, fellows, and trainees ~10-20%
Jefferson Regional Medical Pine Bluff, AR Residents, fellows, and trainees ~10-20%
Jersey Shore Medical Neptune, NJ Residents, fellows, and trainees ~10-20%
John A Burns School of Med Honolulu, HI Residents, fellows, and trainees ~10-20%
John H Stroger Hospital Chicago, IL Residents, fellows, and trainees ~10-20%
Johns Hopkins All Children's Hospital St Petersburg, FL Residents, fellows, and trainees ~10-20%
Johns Hopkins University Baltimore, MD Residents, fellows, and trainees ~10-20%
Kaiser Permanente Seattle, WA Employees and residents ~10-20%
Kent Hospital Warwick, RI Residents, fellows, and trainees ~10-20%
Kings County Hospital Center Brooklyn, NY Residents, fellows, and trainees ~10-20%
Kingsbrook Jewish Medical Center Brooklyn, NY Residents, fellows, and trainees ~10-20%
Kresge Eye Institute MI Residents, fellows, and trainees ~10-20%
LA Children's Hosp Los Angeles, CA Residents, fellows, and trainees ~10-20%
Laredo Medical Center Laredo, TX Residents, fellows, and trainees ~10-20%
Larkin Community Hospital South Miami, FL Residents, fellows, and trainees ~10-20%
LECOM Bradenton Bradenton, FL Residents, fellows, and trainees ~10-20%
LECOM Health Erie, PA Residents, fellows, and trainees ~10-20%
Lenox Hill Hospital New York, NY Residents, fellows, and trainees ~10-20%
Lincoln Hospital Bronx, NY Residents, fellows, and trainees ~10-20%
Long Beach Medical Long Beach, CA Residents, fellows, and trainees ~10-20%
Lutheran Medical Center Brooklyn, NY Residents, fellows, and trainees ~10-20%
Magnolia Regional Health Corinth, MS Residents, fellows, and trainees ~10-20%
Maine Medical Center Portland, ME Residents, fellows, and trainees ~10-20%
Manchester Memorial Hospital (EHCN) Manchester, CT Residents, fellows, and trainees ~10-20%
Marquette University Milwaukee, WI Residents, fellows, and trainees ~10-20%
Marshall University Huntington, WV Residents, fellows, and trainees ~10-20%
Mass Eye & Ear Boston, MA Residents, fellows, and trainees ~10-20%
Mayo Clinic Rochester, MN Employees and residents ~10-20%
McLaren Greater Lansing Lansing, MI Residents, fellows, and trainees ~10-20%
McLeod Regional Medical Center Florence, SC Residents, fellows, and trainees ~10-20%
Medical City Healthcare Denton, TX Residents, fellows, and trainees ~10-20%
Medical College of Wisconsin Affiliated Hospital Milwaukee, WI Residents, fellows, and trainees ~10-20%
Medical University of South Carolina Charleston, SC Employees and residents ~10-20%
Meharry Medical College Nashville, TN Residents, fellows, and trainees ~10-20%
Memorial Health Savannah, GA Employees and residents ~10-20%
Memorial Hospital Gulfport Gulfport, MS Residents, fellows, and trainees ~10-20%
Mercy Health St Rita Lima, OH Residents, fellows, and trainees ~10-20%
Metro Health Medical Cleveland, OH Residents, fellows, and trainees ~10-20%
Metropolitan Hospital New York, NY Residents, fellows, and trainees ~10-20%
Michigan State University East Lansing, MI Residents, fellows, and trainees ~10-20%
Mid Hudson Medical Kingston, NY Residents, fellows, and trainees ~10-20%
Midwestern University AZ Glendale, AZ Residents, fellows, and trainees ~10-20%
Midwestern University College of Dental Medicine Arizona Glendale, AZ Residents, fellows, and trainees ~10-20%
MLK Jr. Community Hospital / Charles Drew University Los Angeles, CA Residents, fellows, and trainees ~10-20%
Montefiore Hospital Bronx, NY Employees and residents ~10-20%
Mount Sinai West (formerly St. Luke's-Roosevelt) New York, NY Residents, fellows, and trainees ~10-20%
Mountain Area Health Education Center (MAHEC) Asheville, NC Residents, fellows, and trainees ~10-20%
Mt Sinai Hospital Chicago Chicago, IL Residents, fellows, and trainees ~10-20%
Nassau University Medical Center East Meadow, NY Residents, fellows, and trainees ~10-20%
Navicent Health Macon, GA Residents, fellows, and trainees ~10-20%
Nazareth Hospital / Trinity Mid-Atlantic Philadelphia, PA Residents, fellows, and trainees ~10-20%
NE Baptist Boston, MA Residents, fellows, and trainees ~10-20%
New York Eye & Ear Infirmary New York, NY Residents, fellows, and trainees ~10-20%
New York Institute of Technology College of Osteopathic Medicine (NYIT College of Osteopathic Medicine) Glen Head, NY Residents, fellows, and trainees ~10-20%
Nicklaus Children's Hospital Miami, FL Residents, fellows, and trainees ~10-20%
Norman Regional Hospital Norman, OK Residents, fellows, and trainees ~10-20%
North Colorado Family Medicine Residency Greeley, CO Residents, fellows, and trainees ~10-20%
North Greenville University Greer, SC Residents, fellows, and trainees ~10-20%
Northwest Hospital Randallstown, MD Residents, fellows, and trainees ~10-20%
Northwestern - McGaw Medical Center Chicago, IL Residents, fellows, and trainees ~10-20%
Nova Southeastern University Davie, FL Residents, fellows, and trainees ~10-20%
NYU Langone Hospital Long Island (formerly Winthrop) Mineola, NY Residents, fellows, and trainees ~10-20%
Oklahoma State University (OSU) Tulsa, OK Residents, fellows, and trainees ~10-20%
Orlando Health Orlando, FL Residents, fellows, and trainees ~10-20%
Palmetto General Hospital Hialeah, FL Residents, fellows, and trainees ~10-20%
Parkview Medical Pueblo, CO Residents, fellows, and trainees ~10-20%
Peak Vista Community Health Centers Colorado Springs, CO Residents, fellows, and trainees ~10-20%
Pennsylvania State Medical Center Hershey, PA Residents, fellows, and trainees ~10-20%
Philadelphia College of Osteopathic Medicine Philadelphia, PA Residents, fellows, and trainees ~10-20%
Piedmont Healthcare Athens, GA Residents, fellows, and trainees ~10-20%
Presence Health Chicago, IL Residents, fellows, and trainees ~10-20%
Providence VAMC Providence, RI Residents, fellows, and trainees ~10-20%
Quinnipiac University Hamden, CT Residents, fellows, and trainees ~10-20%
Rancho Los Amigos National Rehabilitation Center Downey, CA Residents, fellows, and trainees ~10-20%
Reading Hospital Tower Health West Reading, PA Residents, fellows, and trainees ~10-20%
Rhode Island Hospital Providence, RI Residents, fellows, and trainees ~10-20%
Riverside Regional Newport News, VA Residents, fellows, and trainees ~10-20%
Riverside University (Health Systems) Moreno Valley, CA Residents, fellows, and trainees ~10-20%
Robert Wood Johnson University Hospital New Brunswick, NJ Residents, fellows, and trainees ~10-20%
Roger Williams Med Ctr Providence, RI Residents, fellows, and trainees ~10-20%
Rutgers, the State University of NJ Newark, NJ Residents, fellows, and trainees ~10-20%
Saint Barnabas Livingston, NJ Residents, fellows, and trainees ~10-20%
Saint Francis Medical Center Peoria, IL Residents, fellows, and trainees ~10-20%
Saint John Hospital & Medical Center Detroit, MI Residents, fellows, and trainees ~10-20%
Saint Johns Mercy Health Care St Louis, MO Residents, fellows, and trainees ~10-20%
Saint Joseph Medical Center Paterson, NJ Residents, fellows, and trainees ~10-20%
Saint Joseph Mercy Ann Arbor Ypsilanti, MI Residents, fellows, and trainees ~10-20%
Saint Louis Univ Saint Louis, MO Residents, fellows, and trainees ~10-20%
Saint Louis University Dental Saint Louis, MO Residents, fellows, and trainees ~10-20%
Saint Vincent's Hospital Worcester, MA Residents, fellows, and trainees ~10-20%
Santa Clara Valley San Jose, CA Residents, fellows, and trainees ~10-20%
SCL Health, Denver Denver, CO Residents, fellows, and trainees ~10-20%
Sierra View Med Ctr Porterville, CA Residents, fellows, and trainees ~10-20%
Slippery Rock University Slippery Rock, PA Residents, fellows, and trainees ~10-20%
South Baldwin Regional Medical Center Foley, AL Residents, fellows, and trainees ~10-20%
Southampton Hospital Southampton, NY Residents, fellows, and trainees ~10-20%
Sparrow Hospital - MSU Lansing, MI Residents, fellows, and trainees ~10-20%
St Johns Episcopal Far Rockaway, NY Residents, fellows, and trainees ~10-20%
St Mary's Family Med Grand Junction, CO Residents, fellows, and trainees ~10-20%
St. Anthony Hospital Lakewood, CO Residents, fellows, and trainees ~10-20%
St. Mary's Medical Center (orthopedic surgery residents) North Kansas City, MO Residents, fellows, and trainees ~10-20%
St. Michael's Medical Center Newark, NJ Residents, fellows, and trainees ~10-20%
Stamford Hospital Stamford, CT Residents, fellows, and trainees ~10-20%
Stony Brook University Hospital Stony Brook, NY Residents, fellows, and trainees ~10-20%
Summa Health Akron, OH Residents, fellows, and trainees ~10-20%
SUNY Upstate Medical University Hospital Syracuse, NY Residents, fellows, and trainees ~10-20%
Swedish Medical Ctr Seattle, WA Residents, fellows, and trainees ~10-20%
Tallahassee Memorial Hospital Tallahassee, FL Residents, fellows, and trainees ~10-20%
Texas A&M Bryan, TX Residents, fellows, and trainees ~10-20%
Texas A&M School of Dentistry Pediatrics Dallas, TX Residents, fellows, and trainees ~10-20%
Texas Tech University TX Residents, fellows, and trainees ~10-20%
Texas Wesleyan Univ Fort Worth, TX Residents, fellows, and trainees ~10-20%
The Eye Institute Largo, FL Residents, fellows, and trainees ~10-20%
Touro College of Dental Medicine Hawthorne, NY Residents, fellows, and trainees ~10-20%
Touro College Osteopathic Medicine Middletown, NY Residents, fellows, and trainees ~10-20%
Tufts Medical Center Boston, MA Residents, fellows, and trainees ~10-20%
Tufts University Boston, MA Residents, fellows, and trainees ~10-20%
Tulane University New Orleans, LA Residents, fellows, and trainees ~10-20%
UCSF OMFS Residency (Oral Maxillofacial Surgery) Fresno, CA Residents, fellows, and trainees ~10-20%
Univ of Pikeville Kentucky (Coll of Osteopathic Medicine) Pikeville, KY Residents, fellows, and trainees ~10-20%
University of Alabama Birmingham Medical School Birmingham, AL Residents, fellows, and trainees ~10-20%
University of Alabama School of Dentistry Birmingham, AL Residents, fellows, and trainees ~10-20%
University of Arizona College of Medicine Tucson - Banner Health Tucson, AZ Residents, fellows, and trainees ~10-20%
University of California Davis Sacramento, CA Residents, fellows, and trainees ~10-20%
University of California Irvine Medical Orange, CA Residents, fellows, and trainees ~10-20%
University of California Riverside (UC Riverside) Riverside, CA Residents, fellows, and trainees ~10-20%
University of California San Diego San Diego, CA Residents, fellows, and trainees ~10-20%
University of California San Francisco San Francisco, CA Residents, fellows, and trainees ~10-20%
University of California, Los Angeles (UCLA) Los Angeles, CA Residents, fellows, and trainees ~10-20%
University of Central Florida Orlando, FL Residents, fellows, and trainees ~10-20%
University of Chicago Chicago, IL Residents, fellows, and trainees ~10-20%
University of Cincinnati Cincinnati, OH Residents, fellows, and trainees ~10-20%
University of Colorado Denver Aurora, CO Residents, fellows, and trainees ~10-20%
University of Detroit Detroit, MI Residents, fellows, and trainees ~10-20%
University of Florida Gainesville, FL Residents, fellows, and trainees ~10-20%
University of Iowa Dental School Iowa City, IA Residents, fellows, and trainees ~10-20%
University of Iowa Hospitals & Clinics Iowa City, IA Residents, fellows, and trainees ~10-20%
University of Kentucky Lexington, KY Residents, fellows, and trainees ~10-20%
University of Louisville Louisville, KY Residents, fellows, and trainees ~10-20%
University of Maryland Medical System Baltimore, MD Employees and residents ~10-20%
University of Michigan Flint / Hurley Medical Center Flint, MI Residents, fellows, and trainees ~10-20%
University of Missouri Columbia, MO Residents, fellows, and trainees ~10-20%
University of Missouri Kansas City Medical School Kansas City, MO Residents, fellows, and trainees ~10-20%
University of Missouri Kansas City School of Dentistry Kansas City, MO Residents, fellows, and trainees ~10-20%
University of Nebraska Omaha, NE Residents, fellows, and trainees ~10-20%
University of Nevada Las Vegas - UNLV Las Vegas, NV Residents, fellows, and trainees ~10-20%
University of New England (UNE) Portland, ME Residents, fellows, and trainees ~10-20%
University of North Carolina Chapel Hill Chapel Hill, NC Residents, fellows, and trainees ~10-20%
University of North Dakota School of Medicine - UND Grand Forks, ND Residents, fellows, and trainees ~10-20%
University of North Texas Fort Worth, TX Residents, fellows, and trainees ~10-20%
University of Oklahoma College of Dentistry Oklahoma City, OK Residents, fellows, and trainees ~10-20%
University of Oklahoma Health Sciences Oklahoma City, OK Residents, fellows, and trainees ~10-20%
University of Pikeville (Optometry) Pikeville, KY Residents, fellows, and trainees ~10-20%
University of South Alabama Mobile, AL Residents, fellows, and trainees ~10-20%
University of South Florida Tampa, FL Residents, fellows, and trainees ~10-20%
University of Southern California Los Angeles County Los Angeles, CA Residents, fellows, and trainees ~10-20%
University of Tennessee Health Science Center Memphis, TN Residents, fellows, and trainees ~10-20%
University of Texas Galveston Campus Galveston, TX Residents, fellows, and trainees ~10-20%
University of Texas Health Sci Ctr Houston, TX Residents, fellows, and trainees ~10-20%
University of Texas Health Science Center at Tyler Tyler, TX Residents, fellows, and trainees ~10-20%
University of Texas Rio Grande Edinburg, TX Residents, fellows, and trainees ~10-20%
University of the Incarnate Word San Antonio, TX Residents, fellows, and trainees ~10-20%
University of the Pacific Physician Assistant CA Residents, fellows, and trainees ~10-20%
University of TX-San Antonio San Antonio, TX Residents, fellows, and trainees ~10-20%
University of Utah Salt Lake City, UT Residents, fellows, and trainees ~10-20%
University of Vermont Medical Centers Burlington, VT Residents, fellows, and trainees ~10-20%
University of Washington Seattle, WA Residents, fellows, and trainees ~10-20%
University of Wisconsin Wausau, WI Residents, fellows, and trainees ~10-20%
University Texas Austin (Dell Seton) Austin, TX Residents, fellows, and trainees ~10-20%
VA Palo Alto Health Care Palo Alto, CA Residents, fellows, and trainees ~10-20%
Valley Consortium Modesto, CA Residents, fellows, and trainees ~10-20%
Valley Health System Las Vegas, NV Residents, fellows, and trainees ~10-20%
Virginia Commonwealth University (dental residents) Richmond, VA Residents, fellows, and trainees ~10-20%
Virginia Mason Medical Center Seattle, WA Residents, fellows, and trainees ~10-20%
Wake Forest University Winston-Salem, NC Residents, fellows, and trainees ~10-20%
Wellington Regional Medical Center Wellington, FL Residents, fellows, and trainees ~10-20%
West Virginia School of Osteopathic Medicine Lewisburg, WV Residents, fellows, and trainees ~10-20%
Western Michigan University School of Medicine Kalamazoo, MI Residents, fellows, and trainees ~10-20%
Western Pennsylvania Allegheny Health System Pittsburgh, PA Residents, fellows, and trainees ~10-20%
Western University of Health Sciences (dental residents) Pomona, CA Residents, fellows, and trainees ~10-20%
Western University of Health Sciences (medical residents) Lebanon, OR Residents, fellows, and trainees ~10-20%
Wilson Memorial Hospital Johnson City, NY Residents, fellows, and trainees ~10-20%
Woodhull Medical Brooklyn, NY Residents, fellows, and trainees ~10-20%
Wright Center for Graduate Medical Education Scranton, PA Residents, fellows, and trainees ~10-20%
WVU School of Medicine Morgantown, WV Residents, fellows, and trainees ~10-20%
Wyckoff Heights Medical Center Brooklyn, NY Residents, fellows, and trainees ~10-20%
Yale University / Waterbury Hospital Waterbury, CT Residents, fellows, and trainees ~10-20%

Universities and schools 39

Universities and schools with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
Collegiate School Richmond, VA Employees ~10%
Creighton University Omaha, NE Employees and residents ~10-20%
Duke University Durham, NC Employees and residents ~10-20%
Eastern Virginia Medical School (EVMS) Norfolk, VA Employees and residents ~10-20%
Harvard University MA Employees ~20%
Indiana University Indianapolis, IN Employees and residents ~10-20%
Louisiana State University (Shreveport) Shreveport, LA Employees and residents ~10-20%
Murray State University KY Employees ~20%
New York Medical College NY Employees ~20%
New York University School of Medicine NY Employees ~10%
NYU College of Dentistry New York, NY Employees and residents ~10-20%
Penn State University PA Employees ~20%
St. Louis University MO Employees ~20%
Stanford University CA Employees ~20%
Temple University Philadelphia, PA Employees and residents ~10-20%
Texas Christian University (TCU) TX Employees ~20%
Tufts Dental School Boston, MA Employees ~10%
University of Alabama at Birmingham (UAB) AL Employees ~20%
University of Arizona AZ Employees ~20%
University of Arkansas Little Rock, AR Employees and residents ~10-20%
University of Colorado CO Employees ~20%
University of Connecticut (UCONN) CT Employees ~20%
University of Illinois Chicago, IL Employees and residents ~10-20%
University of Iowa IA Employees ~20%
University of Massachusetts (UMASS) MA Employees and residents ~10-20%
University of Miami Miami, FL Employees ~10%
University of Michigan Ann Arbor, MI Employees and residents ~10-20%
University of Minnesota (Dental) MN Employees ~20%
University of New Mexico Albuquerque, NM Employees and residents ~10-20%
University of Pennsylvania Philadelphia, PA Employees and residents ~10-20%
University of Southern California (USC) CA Employees ~20%
University of Tennessee TN Employees ~20%
University of Texas TX Employees ~20%
University of Texas Southwestern Dallas, TX Employees and residents ~10-20%
University of Toledo Toledo, OH Employees and residents ~10-20%
University of Vermont VT Employees ~20%
University of Virginia Charlottesville, VA Employees and residents ~10-20%
Wayne State University Detroit, MI Employees and residents ~10-20%
Woodward Academy Atlanta, GA Employees ~10%

Corporations and firms 71

Corporations and firms with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
Allianz Life Multiple locations Employees ~10%
Alvarez and Marsal Holdings Multiple locations Employees ~25%
Amazon Multiple locations Employees ~20%
Apogee Physicians Multiple locations Employees ~20%
ApolloMD Multiple locations Employees ~10%
ASML Multiple locations Employees ~10%
athenahealth Multiple locations Employees ~10%
Axa Advisors Multiple locations Employees ~10%
Best Buy Multiple locations Employees ~10%
BKD Multiple locations Employees ~20%
Bloomberg LP Multiple locations Employees ~10%
Boeing Multiple locations Employees ~20%
CACI Enterprise Solutions Inc Multiple locations Employees ~20%
Campbell Soup Multiple locations Employees ~10%
Caterpillar Multiple locations Employees ~20%
Central Pacific Bank Multiple locations Employees ~10%
Cincinnati Bell Multiple locations Employees ~10%
CVS Multiple locations Employees ~20%
Delta Air Lines Multiple locations Employees ~10%
Enterprise Holdings Multiple locations Employees ~10%
Envision Healthcare Multiple locations Employees ~20%
Ford Motor Company Multiple locations Employees ~10%
Freshfields LLP Multiple locations Employees ~20%
GE Capital Multiple locations Employees ~10%
Google Multiple locations Employees ~25%
Graduate Management Admission Council Multiple locations Employees ~10%
Greenberg Traurig PA Multiple locations Employees ~20%
Hess Corporation Multiple locations Employees ~10%
Higher Logic LLC Multiple locations Employees ~10%
IBM Multiple locations Employees ~10%
John Deere Multiple locations Employees ~10%
JP Morgan Chase Multiple locations Employees ~20%
Legg Mason Inc. Multiple locations Employees ~20%
Lewis Brisbois Bisgaard and Smith LLP Multiple locations Employees ~20%
Lockton Companies Inc Multiple locations Employees ~10%
Marriott International Multiple locations Employees ~10%
Mastercard International Multiple locations Employees ~10%
MedNax Multiple locations Employees ~20%
Medtronic Multiple locations Employees ~10%
Merrill Lynch Multiple locations Employees ~10%
Netflix Inc Multiple locations Employees ~20%
New York Life Multiple locations Employees ~10%
North American Partners in Anesthesia Multiple locations Employees ~20%
Oppenheimer Funds Inc Multiple locations Employees ~25%
Procter & Gamble Multiple locations Employees ~10%
Ricoh USA Multiple locations Employees ~25%
Rolls Royce Corporation Multiple locations Employees ~10%
Sanofi Pasteur Inc Multiple locations Employees ~20%
Shell Oil Multiple locations Employees ~10%
Sherwin Williams Multiple locations Employees ~10%
Siemens Multiple locations Employees ~10%
Skadden, Arps, Slate, Meagher & Flom LLP Multiple locations Employees ~10%
Soliant Health LLC Multiple locations Employees ~10%
Sound Physicians Multiple locations Employees ~20%
Stitch Fix Multiple locations Employees ~10%
Stryker Endo Multiple locations Employees ~10%
SunTrust Bank Multiple locations Employees ~10%
Target Corp Multiple locations Employees ~10%
Team Health Multiple locations Employees ~20%
Troutman Sanders LLP Multiple locations Employees ~25%
Trustaff Multiple locations Employees ~10%
U.S. Bank Multiple locations Employees ~10%
United Community Bank Multiple locations Employees ~10%
US Acute Care Solutions Multiple locations Employees ~20%
US Anesthesia Partners (USAP) Multiple locations Employees ~20%
USAA Multiple locations Employees ~20%
Vituity Multiple locations Employees ~20%
Walgreens Multiple locations Employees ~10%
Wayfair Multiple locations Employees ~10%
Wells Fargo Multiple locations Employees ~10%
Zions Bank Multiple locations Employees ~10%

Government employers 8

Government employers with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
Charleston County School District Charleston, SC Employees ~10%
Department of Veterans Affairs Multiple locations Employees ~25%
Harrison Central School District Harrison, NY Employees ~10%
North East Independent School District San Antonio, TX Employees ~10%
State of Connecticut (Employees) CT Employees ~20%
State of Hawaii Department of Education Honolulu, HI Employees ~10%
Syracuse City School District Syracuse, NY Employees ~20%
Veterans Affairs Medical Center Washington, DC Residents, fellows, and trainees ~10-20%

Professional associations 11

Professional associations with an individual disability insurance discount program Seaworthy can access, as of 2026
Organization Location Who qualifies Discount
American Association of Nurse Anesthesiology (AANA) Members ~10%
American College of Emergency Physicians (ACEP) Members ~20%
American Institute of Architects Members ~10%
American Society of Civil Engineers (ASCE) Members ~10%
Cuban American Bar Association Members ~10%
Louis A Martinet Legal Society Members ~10%
Mexican American Bar Association Members ~10%
National Association of WIC Directors Members ~20%
Punjabi Dental Association (Orange County, CA) CA Members ~10%
Savannah Pilots Association Members ~10%
Young Physicians Association Members ~10%

Discount tiers are the amounts the carrier programs document as of 2026, shown as approximate (~) because the applied rate can vary by state, product, and program terms. Training programs are shown as one range because resident programs run from 10 to 20 percent across the carriers. Eligibility and the exact rate are confirmed at quote time.

Using a discount on a quote

Name the employer, program, or association on the quote request. The agency checks it against the current carrier lists, applies the program on the carrier that offers it, and shows the discounted premium alongside the other four carriers so the contract comparison stays intact. For residents, the residents guide covers how the resident programs combine with the starting-professional issue limits, and the multi-life guide explains how an employer sets up a program for a group.

Discount program questions

What is an employer or multi-life disability insurance discount?

A carrier discount on an individually owned disability policy, offered once a small group of people, typically three or more, from the same employer, institution, or program buy coverage through that carrier. The policy is the same fully underwritten contract anyone can buy. The discount lowers the premium, typically by 10 to 25 percent depending on the program and state, and in the programs the agency places it stays on the policy after the insured leaves the employer.

How do I find out whether my employer or residency program qualifies?

Search the directory on this page, or name the employer or program on a quote request and the agency checks it against the current carrier lists. A program missing from this page does not mean no discount exists. In the residency cases the agency quotes, a resident or fellow can typically qualify for a resident discount at one or more carriers whether or not the program is listed.

Which carrier offers the discount for my organization?

Seaworthy does not publish which of the five carriers it places stands behind a given program. The carrier is identified on the quote comparison, where the discounted premium sits alongside the other four carriers' pricing, because the discounted carrier is not always the best contract for a given profession and state.

Does the discount change the contract or the underwriting?

In the programs listed here, generally no. The policy is typically fully underwritten and individually owned, with the same definitions, riders, and renewal guarantees as coverage bought without the program. The discount is a premium reduction on the same product.

Does the discount stay if I change jobs or finish residency?

In the programs the agency places, the discount is typically locked into the policy at issue and continues after the insured leaves the employer or completes training, as long as the policy stays in force. Confirm the portability terms on the illustration, since program rules vary by carrier and state.

Is Seaworthy affiliated with the organizations listed here?

No. Seaworthy Insurance is an independent brokerage. The organizations on this page are employers, institutions, and associations whose people can qualify for a carrier discount program the agency can access. None of them sponsors, endorses, or is affiliated with Seaworthy Insurance.

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