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Individual Disability Products


Student Loan Protection Rider

Student loan protection offers more income replacement than disability coverage alone. And we're the ONLY individual disability insurance carrier to offer it.

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DI: Who Needs It?

Consider what your income makes possible.

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Lump Sum Disability Benefit Rider

Life has its peaks and valleys; that’s why planning ahead is so important.

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The statistics are alarming. Nearly one in four Americans will become disabled before they retire1. It’s enough to have you looking twice for discarded banana peels and open manhole covers before you walk down the sidewalk. But it wouldn’t do you much good. The reality is accidents don’t cause most disabilities. Instead, back injuries, cancer, heart disease and other illnesses are usually to blame. And that’s precisely why disability insurance should be a core component of your financial life.

ProVider Plus2 — protection when you need it most

Your income is the foundation to the life you created. Without income, everyday life and plans for the future are affected. When you fall ill or have been injured in an accident, you have enough on your mind without having to worry about where your next paycheck will be coming from. Of course, if you had ProVider Plus disability income insurance, you may not have to worry at all. Backed by Berkshire Life Insurance Company of America3, one of the leading providers of individual disability income insurance, a ProVider Plus policy can offer you flexible, robust coverage that can help protect against the financial impact of a disability.

To ensure that protection will be there when you need it, ProVider Plus is non-cancelable and guaranteed renewable to age 65 (or to age 67)4. That means we cannot change any policy provision and cannot increase the premiums as long as you pay your premiums on time.

Things to consider when evaluating disability income coverage:


How much income replacement will I need?

Evaluate your monthly expenses to determine your risk. As a general rule, you may be eligible for a monthly benefit equal to about 60% of net salary or business income. Discuss your personal situation with your insurance professional who can provide further detailed assessment of your income replacement needs.

Can I also protect any future income increases I may receive?

Any policy issued will include a monthly benefit amount based on your current financial and occupational information. Most policies also offer a future insurability feature5 (or "future insurability option") that allows for the purchase of additional coverage without the need to provide further evidence of good health.

When will I be eligible for benefits?

The language in the policy determines the conditions under which you become eligible for benefits.

Will my benefits keep pace with inflation?

Most policies offer riders to help your benefits keep pace with inflation during a disability. A cost of living adjustment6 (COLA) rider will adjust benefits each year while you remain disabled and eligible for benefits. COLA riders can be vital to maintaining your standard of living during an extended disability.

1 Social Security Administration Fact Sheet, February 7, 2013.
2 Disability income policy forms 1400, 1500 and 1600 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. Product provisions and features may vary by state.
3 Financial information concerning Berkshire Life Insurance Company of America as of 12/31/12 on a statutory basis: Net Admitted Assets = $3.2 billion; Liabilities = $2.7 billion (including $2.5 billion of Reserve); Surplus = $0.5 billion.
4 ProVider Plus is non-cancellable and guaranteed renewable to age 65 (or 67 with a To Age 67 benefit period), after which it is conditionally renewable for life, if you are gainfully employed full time. That means that after this time, your premiums can change on an annual basis.
5 Restrictions and limitations apply. While medical information is not required when exercising a future insurability option, applications to exercise an increase option will be financially underwritten taking into consideration both the applicant’s then current income, as well as all disability insurance which is then in force, or for which the insured has applied or is eligible to receive.
6 This benefit is not necessarily protection against increases in the cost of living.