Guardian Disability Insurance Brokerage

Berkshire Disability Insurance Specimen Policy

An individual long term disability insurance policy is a legal document, and everything you think you have coverage for must be written into the actual disability insurance policy. If you think you see something on a proposal, or an agent tells you something, it is not a fact until you see it in your physical disability insurance policy. The policy is the legal document, and you only have coverage that is outlined in the disability insurance policy. Our agency provides you with a sample disability insurance policy for download here, feel free to print it and spend a lot of time reviewing it. We believe that once you understand how the ProVider Plus disability insurance policy pays a claim, you would not choose any other coverage. This is the policy that sells itself, so take some time to review it here.


There are several areas we encourage our customers to pay close attention to when reviewing a specimen disability insurance policy; Renewability, Definition of Total Disability, The Residual Disability Rider and Cost of Living Adjustment. If you would like some additional information to help you understand what some of the language within the policy means during a claim, This article on the ProVider Plus disability insurance policy an excellent job of illustrating The Provider Plus disability insurance policy strengths.