Guardian Disability Insurance Brokerage

Common Questions - What Is A Disability? How Do I File A Disability Claim?

There are several definitions of "Disability" within a disability insurance policy, therefore there are several ways you can be disabled under the terms of the contract. To answer your question in a simple fashion, a disability is a sickness or injury which interferes in your ability to work. Hopefully this answers your first question, "Does this policy cover accident and sickness?" with a resounding yes.

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1. - The definition of total disability in ProVider Plus is pure own-occupation for all occupational classes Guardian has. If solely because of sickness or injury you are unable to perform the material and substantial duties of your regular occupation, or occupations if more than one, in which you are engaged at the time of disability. A Specimen Policy is available for your review as well. If you are a physician or dentist, Guardian also offers medical specialty language in the definition of total disability.

2. - A residual disability can be thought of in two different claim scenarios. Think of a residual disability as a partial disability, or as a recovery benefit. The residual disability rider in the ProVider Plus disability insurance policy can act as a recovery benefit for up to the entire benefit period, and does not require a loss of time or duties in order to pay a claim. For individuals who own their own business, are in sales, or are the chief rainmaker for their company, there must be a residual disability rider on your policy. Our agency will always include a residual disability rider when you request a long term disability insurance quote.

3. - Should you suffer the total and complete loss of hearing in both ears, speech, sight in both eyes, or the use of any two limbs the insurance company will pay you first day benefits. In other words, you do not need to wait through the elimination period before you become eligible for monthly benefits if you suffer one of those losses.

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If you become sick or injured and are unable to work, you should immediately notify Claims Management Services at Berkshire. The earlier you notify Berkshire of your circumstances, the sooner they will be able to begin their evaluation of your eligibility for benefits. More importantly, your policy contains specific information regarding the time frame in which you must submit notice of claim. You may contact Berkshire using any of three methods:

• Toll Free: 888-275-7473 #2
• Email: claim@berkshirelife.com
• Mail: Claims Management Services, 700 South Street, Pittsfield, MA 01201