1 Social Security Administration Fact Sheet, June 2022.
2 The Council for Disability Awareness, https://disabilitycanhappen.org/overview/, 2023
3 Integrated Benefits Institute, 2020 Health and Productivity Benchmarking, Long-Term Disability
4 The Rider provides coverage for period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
5 This benefit is not necessarily protection against increases in the cost of living.
6 Retirement Protection Plus is not a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.
7 Council for Disability Awareness https://disabilitycanhappen.org
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. Optional riders are available for an additional premium.
This publication is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits and your particular set of facts and circumstances.
An individual’s eligibility for benefits is determined on a case-by- case basis, taking into consideration the factual circumstances presented as well as the terms and conditions of his/her policy(ies).
Some policy benefits and features are not available to all occupations.
1 Social Security Administration Fact Sheet, June 2022.
2 The Council for Disability Awareness, https://disabilitycanhappen.org/overview/, 2023
3 Integrated Benefits Institute, 2020 Health and Productivity Benchmarking, Long-Term Disability
4 The Rider provides coverage for period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
5 This benefit is not necessarily protection against increases in the cost of living.
6 Retirement Protection Plus is not a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.
7 Council for Disability Awareness https://disabilitycanhappen.org
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. Optional riders are available for an additional premium.
This publication is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits and your particular set of facts and circumstances.
An individual’s eligibility for benefits is determined on a case-by- case basis, taking into consideration the factual circumstances presented as well as the terms and conditions of his/her policy(ies).
Some policy benefits and features are not available to all occupations.