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Disability Insurance for Registered Nurses 
As a nurse, you understand the need to protect your income. Each day, you treat patients that aren't going to be able to go back to work immediately. Unfortunately, even though their income stops, the bills and family obligations do not. Many of these patients will have no way to pay these expenses without dipping into savings - which won't last very long. Nurses should receive the same quality income protection that physician's do.Berkshire Life Insurance Company of America now offers ProVider Plus* with two options for nurses so that you can choose the definition of total disability that best serves your unique circumstances. The first option is the same true own-occupation definition of total disability that is popular with physicians. The second option is their new modified own-occupation definition of total disability that considers you totally disabled when you are unable to perform the material and substantial duties of your occupation solely due to injury or sickness and you are not gainfully employed. This modified own-occupation definition is a less expensive option that still protects you in your occupation as a nurse. However with the true-own occupation definition, if you couldn't work as a nurse and you had the energy, interest and motivation to pursue another occupation, while totally disabled in your occupation, you may do so and still be eligible for your total disability benefits. ProVider Plus is backed by the full financial strength of Berkshire Life Insurance Company of America, and both have guaranteed rates that will not increase as you get older. People in the nursing profession have a demanding job. Be sure you protect your income with a quality disability insurance policy that will replace your income if you can't work in your profession. Call 888-513-2300
*Disability insurance Policy Forms 1400, 1500 or 1600 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 1400, 1500, or 1600, the expected benefit ratio is 50% (including NY 1400). For policy forms 1400-F, 1500-F, or 1600 F, the expected benefit ratio is 60% (NY only). The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms respectively. Product availability, provisions and features may vary from state to state.
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| Financial Balance Group LLC is a general agency of The Guardian Life Insurance Company of America, NY, NY. Guardian Disability Insurance Brokerage is the
brokerage arm of Financial Balance Group LLC. Disability insurance agent information provided on this web site is for broker use only. For important information about the disability insurance products and insurers discussed on this page, as well as information concerning Guardian Disability Insurance Brokerage or the General Agency representing Guardian, please click here. Copyright Steven L. Crawford (General Agent). |
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