Guardian Disability Insurance Brokerage

Disability Insurance for Emergency Medicine Physicians

A Unique Policy For ER Physicians

Disability Insurance Quote Gender: View All Male Female Age: View All 25-30 31-35 36-40 41-45 46-50 51-55 Monthly Benefit Amount: View All $0-$1,000 - (Income needed: $ 18,000) $1,000-$2,000 - (Income needed: $ 34,000) $2,000-$3,000 - (Income needed: $ 52,500) $3,000-$4,000 - (Income needed: $ 75,000) $4,000-$5,000 - (Income needed: $100,000) $5,000-$6,000 - (Income needed: $124,500) $6,000-$7,000 - (Income needed: $148,500) $7,000-$8,000 - (Income needed: $171,500) $8,000-$9,000 - (Income needed: $196,500) $9,000-$10,000 - (Income needed: $220,000) $10,000-$11,000 - (Income needed: $243,500) $11,000-$12,000 - (Income needed: $266,500) $12,000-$13,000 - (Income needed: $290,000) $13,000-$14,000 - (Income needed: $312,500) $14,000-$15,000 - (Income needed: $348,000) $15,000-$16,000 - (Income needed: $408,000) $16,000-$17,000 - (Income needed: $475,000) Our agents have 442 Emergency Medicine Physician Clients

Guardian owns several independent subsidiaries, including Berkshire Life who is the leader in individual Non-Cancellable disability insurance policies⁴. There are many reasons so many ER Physicians choose to buy this policy:

• Own-Occupation Benefits To Age 65 or 67
• Medical Specialty Language Built Into Policy
• Residual Disability Benefit Rider¹ with a built-in recovery provision that delivers more benefits sooner and for a longer duration then the competition.

Disability Insurance Quotes Call 888-513-2300

How Do I Choose The Best DI Policy For Me?

We understand that you have probably been approached by many people over the past several years to buy an individual disability insurance policy from them. There are several carriers in the marketplace, and Berkshire has been the number one disability insurance carrier for several years⁴. The vast majority of Berkshire's business is in the medical marketplace with physicians and dentists, and the ProVider Plus policy is designed to fit your occupation and medical specialty. You aren't going to make a mistake going with Berkshire for your policy, it just may be the most comprehensive level of disability insurance protection you can own today.

You need to choose who you would like to work with on your disability insurance policy. The associates in this agency who you will work with are all a member of Berkshire's "Inner Circle" of top DI agents. They have all met strict requirements to become a member of this group, and focus on DI every day. Spend just a few moments on the phone discussing your needs for DI, and you will understand just how qualified our associates are to help you.

Most Common Optional Riders1 for Emergency Medicine Physician Clients Based Upon the Age, Gender, & Benefit Amount Selected Above 1. Residual Disability Benefit Rider This rider provides a benefit when solely due to sickness or injury‚ you suffer a loss of 15% or more of your income. There is no loss of time or duties requirement. This rider also has a recovery provision whereby‚ if you recover and return to work but still suffer a loss of income of at least 15% of your prior income‚ you will continue to be eligible for this benefit for the full duration of the benefit period. Most agents feel this is a must have rider on every policy. 97.29% 2. Future Increase Option Rider This option allows consumers the ability to obtain additional disability coverage in the future regardless of any adverse changes in their health. Many people believe that their incomes will continue to rise over the years‚ and this rider allows you to buy more disability insurance coverage in the future each year on the policy's anniversary up to and including age 55. The rider also includes special option dates that allow off-anniversary increases for events such as the loss of group long term disability coverage. While medical information is not required when exercising this option‚ applications to exercise this option will be financially underwritten taking into consideration both current income and all other disability insurance in force for the insured has applied or is eligible to receive. 64.25% 3. 3% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 3% after you have been disabled for 12 months. 58.60% 4. 4-Year Delayed COLA Rider2 This Cost of Living Adjustment (COLA) rider will help to increase benefits during a claim. The 4-Year Delayed option is less expensive than a normal 3% COLA rider because you are essentially self insuring the first 4 years of COLA increases during a claim. 20.14% 5. Catastrophic Disability Benefit Rider This rider provides additional benefits to you should the disability be so severe that is causes you to be unable to perform 2 or more of the Activities of Daily Living including: bathing‚ dressing‚ eating‚ transferring‚ toileting‚ or continence or you suffer a cognitive impairment requiring substantial supervision. 15.16% 6. Automatic Benefit Enhancement Rider This rider is at no cost‚ and will increase your monthly benefits by 4% every year for six years‚ with no proof of income. While the rider itself is provided at no cost‚ additional premiums are required... for coverage added by the rider. 9.95% 7. Social Insurance Substitute Rider This is a monthly benefit that coordinates with payments received from the Social Security Administration ('SSA') for a disability‚ as well as other similar government programs. If you receive Social Security Disability Insurance‚ the insurance company will reduce the amount of benefits payable under this rider dollar for dollar from $200 to $1‚500 . This rider is often purchased to reduce the total cost of coverage‚ while helping assure an adequate level of disability protection. 4.30% 8. Basic COLA 3 3.62% 9. Unemployment Waiver of Premium Rider An inexpensive rider that waives the premiums for your DI policy for up to one year should you be on unemployment and receive unemployment compensation for at least 60 consecutive days. 1.81% 10. 6% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 6% after you have been disabled for 12 months. 1.58%

Disability Insurance Quotes Call 888-513-2300