1 Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class
2 Council for Disability Awareness, Long-Term Claims Review, 2014
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).
Future Increase Option Rider
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.
Benefit Purchase Rider
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.
Cost of Living Adjustment (COLA) Rider
This benefit is not necessarily protection against increases in the cost of living.
Lump Sum Rider
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. The information provided is not intended or written to be used and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.
Student Loan and Supplemental Benefit Term Rider
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.
Retirement Protection Plus
Retirement Protection Plus is not a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.