Berkshire Life Disability Insurance
Berkshire Life specializes in disability insurance products
that are excellent for highly skilled professionals,
executives and business owners.
Berkshire Life Insurance Company merged with
The Guardian Life Insurance Company of America in 2001.
The newly formed Berkshire Life Insurance Company of America is now
responsible for all individual DI insurance products for the merged
companies. Their combined strength in this competitive field has created a
new force to be reckoned with in the twenty first century.
The Berkshire ProVider* Plus Disability Plan
With Berkshire Life Insurance Company of America you get the
highest quality DI around, with these hard-to-find features...
Own-occupation – pays benefits if you are unable to perform the
material and substantial duties of your own occupation due
to sickness or injury... even if you are able to do some
other kind of work.
Non-cancellable and guaranteed renewable to age 65 - What good is
coverage that can be cancelled just when you need it most?
Berkshire Life's policies stay in force as long as you keep
paying premiums on time - and premiums are guaranteed to
stay the same until age 65.
Optional Benefit Riders - Berkshire Life offers optional riders,
which can be added to your policy for extra value and
protection. Consider a rider:
To receive benefits if you suffer an
income loss from a partial, rather than total disability (Residual
To have the option to
increase your coverage once a year for a specified number of
years (Future Increase Option)
provide a 4% increase in your monthly benefits each year for five
years at attained age premiums - insure your increasing
income (Automatic Increase Rider)
To help your disability benefit keep pace with inflation (Cost
of Living Adjustment Rider, or COLA)**
To help if you lose your employer sponsored long-term DI
coverage (Group Disability Insurance Replacement Rider)
To help maintain your coverage if you become unemployed (Unemployment
Premium Waiver Option Rider)
To work alongside Social Security benefits (Social
Insurance Substitute Rider)
Disability income products underwritten
and issued by Berkshire Life Insurance Company of America,
Pittsfield, MA, a wholly owned stock subsidiary of The Guardian
Life Insurance Company of America, New York, NY.
Products not available in all states. Product provisions and
features may vary by state.
** Please note: This benefit
is not necessarily protection against increases in the cost of