Guardian Disability Insurance Brokerage

Disability — Could it happen to you?

Your income is your most valuable asset. Protect it!

Ask these questions when evaluating disability income coverage

More reasons to consider ProVider Plus

Many of us don’t want to think about struggling financially because we’re unable to work. Yet it’s a possibility, especially since disability is a common problem, and many people don’t have adequate savings to support them for an extended period of time.
The causes of disabilities are more common than you might think. According to a claims review1 conducted by the Council for Disability Awareness, common examples of long-term disabilities include:

• Neck and back pain; joint, muscle and tendon disorders; foot, ankle and hand disorders
• Cancer
• Heart and circulatory disorders; strokes
• Physical injuries

How would a disability impact your life?

The impact of disability isn’t just physical. The consequences can have a profound emotional and financial affect on you, your loved ones and your future.

• Could you afford to live without your income?
• How would you pay your mortgage, car payments, utilities, food and other living expenses?
• How long would your savings last?
• What would happen to plans for the future — college funding, travel, retirement and legacies?

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Government programs and group plans may leave you vulnerable

• Most disabilities are not work related, and therefore are not covered by worker’s compensation.1
• The majority of initial Social Security disability claim applications are denied. If claims are approved, the amount paid may be a fraction of your income.2
• Group Long Term Disability plans may not cover bonus or incentive compensation, and these plans generally aren’t portable if you leave your job.
• Premiums for typical company and association plans can be raised and coverage can be canceled, making these plans unreliable options.

Protect yourself from the financial impact of disability with ProVider Plus

If you become too sick or injured to work, disability income insurance can help replace your income and maintain your standard of living. Berkshire Life Insurance Company of America is the leading provider of individual disability income insurance3. Our high quality ProVider Plus policy protects against the financial impact of disability and offers these advantages:

• The policy can be tailored to your needs.
• You can cover income — including bonus and incentive compensation — as well as contributions to your retirement plan
• Because you own the policy, coverage remains with you even if you change jobs
• There may be tax advantages4:
  • Benefits paid to you are tax free when premiums are paid with after-tax dollars
  • If you own a business, you may be able to deduct the premiums as a business expense
  • If you’re a key employee and receive a bonus to cover your premium, benefits paid to you may be tax free
• If you are a member of a Professional Group, Student or Resident Program, or if your employer sponsors a voluntary plan, you may be entitled to discounted coverage.5
• If you own or apply for ProVider Plus, you may also qualify for coverage for your student loans if you become totally disabled.6