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Berkshire Life Disability Insurance

 



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.

                                                                                                    Birkshire Life Insurance Company

 
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Not all insurance products from all insurance companies are available 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, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 


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