Guardian Disability Insurance Brokerage

Federal Government Workers

New for Federal Employees under FERS

Berkshire is now offering full supplemental coverage to FERS employees. Now as a FERS Government employee you have the ability to supplement your FERS Disability Retirement Annuity with the full features and benefits of Berkshire's premier disability plan, ProVider Plus. This is the same plan that is used by individuals in the private sector.

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Your Current FERS Plan

As a Federal Employee under the FERS retirement system, you have the following benefits should you qualify for the FERS disability benefit.

• the first year of disability you will receive 60% of your income - still fully taxable
• the second and subsequent years you will receive 40% of your income - still fully taxable
• click here to see an example of your coverage.

Adding a Berkshire Supplemental Plan

By adding a supplemental plan with Berkshire, you will be able to customize your coverage with a plan design that is tailored to your occupation; and remember, Berkshire has a true own occupation definition of total disability.

Any disability payments made to you will be free of Federal and State income tax as long as you are the premium payer - under current laws.

*This publication is offered for the purposes of education and information only and should not be considered tax or legal advice. For information on your specific situation, please consult your legal or tax advisor.