¹ https://www.ssa.gov/disabilityfacts/facts.html

² Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

³ Integrated Benefits Institute, Health and Productivity Benchmarking, Long-Term Disability (2018), https://files.ibiweb.org/uploads/general/IBI-Benchmarking-US-Samples.zip

⁴ Council for Disability Awareness, The Average Duration of Long-Term Disability is 31.2 Months (Jan. 2016), https://blog.disabilitycanhappen.org/the-average-duration-of-long-term-disability-is-31-2-months/

⁵ Source: Google search result for “top ranking individual long term disability insurance companies”; last accessed October 2020

⁶ Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are financial information as well as all disability insurance in force, for which you’ve applied or are eligible to receive.

⁷ Conditions and limitations apply. Medical information is not required when exercising an option for additional coverage. Taken into consideration are your income, occupation and employment, as well as all disability insurance in force, for which you’ve applied or are eligible to receive. Coverage may not be added while you’re disabled, when benefits are payable, or during a suspension period.

⁸ 5.6 percent of working Americans will experience a short-term disability (six months or less) due to illness, injury, or pregnancy on average every year https://disabilitycanhappen.org/disability-statistic/ last accessed October 2020

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).