|
|
Home Companies
And Product Benefits
Occupation
Class Look Up
FAQ's
Illustrations Examples
Terms
Quotes |
Term Life America
Disability Insurance
1.888.500.2693 |
| |
 |
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
Disability Riders)
-
To have the option to
increase your coverage once a year for a specified number of
years (Future Increase Option)
-
To
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
living.
 |
|
|
Because paying for life's expenses are not always as certain as your
responsibilities...
These top rated
Disability Insurance Companies can all but alleviate the problem!
The Purpose of Disability Insurance
Disability insurance was created to insure you for
a disabling sickness or injury, these plans will provide an individual
the ability to continue their standard of living. They are designed to
replace up to 60% of taxable income.
As you can observe above, there are a significant number of carriers
available to search out the best occupational definitions, and
occupational rating classes for your particular profession.
Q. If you are permanently disabled and cannot work, what will
Social Security
cover?
A. Social Security has a cap on the amount
of benefits you'll receive. In most cases, there will be a 5-month
waiting period before eligibility, plus another 7 months before you
even receive a benefit check. In addition, 56% of all disability
claims are rejected by Social Security.
More>
Q. If you collect disability income benefits, do you have to pay
Income Tax
on them?
A. Provided
you pay the premiums out of your own pocket on an after-tax basis,
the benefits are not taxable. However, if premiums are deducted from
your paycheck on a pre-tax basis such as in a Section 125 cafeteria
plan, benefits will be taxable. If your employer pays part of the
premiums, only the portion of the benefit that is attributable to
your own contributions will be tax-free.
More> |
Lewis Fink is licensed as
insurance agents offering these benefits in the following
states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE,
District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA,
and
Wisconsin - WI.
Note: Not all companies may offer products in all states.
Note: We do not
provide legal or tax advice. The general information presented
on various tax aspects contained in this site are not intended
to be relied upon as tax advice. Individuals should seek the
advice of a qualified tax professional regarding the taxation of
these benefits as they apply to your particular situation.
These benefits are
offered in all states except: AK, HI, WA,
& WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
NOTE: Portions of this site require Adobe® Acrobat®
Reader(tm) version 5.0 to open them.
Please visit
http://www.adobe.com/products/acrobat/readstep2.html
to download and install a free version.
|
Term Life America.com
Disability Insurance
1.888.500.2693
9:00AM - 5:00PM
Mon. > Fri. E.T.
National Marketing
PO Box 30248
Charleston, SC 29417
National Sales&Support
215 East Bay Street, Suite 201-G,
Charleston, SC
29401
Systems Administration
607 Elmira Road, Suite 149
Vacaville, CA 95687
disabilityinsurance.termlifeamerica.com
Copyright © 2005
All rights reserved
|
|
|
Related Topics
