|
Disability Insurance for Teachers 
A teacher's job is to educate their students on topics they aren't as familiar with. Our job is very similar, in that we educate the public on the need to protect their income through the use of high quality disability insurance.Statistics have shown that at age 40, women are 125% more likely to be disabled before age 65, than they are to die. When you consider your most valuable assets, you have to consider your income at the top of the list. Many people don't know how important it is to have a quality disability insurance policy until they need it. Consider a 40 year old teacher earning $50,000 per year. Assuming that person never earns more than $50,000, and works until she is age 65, their income is worth $1,250,000! I would bet if you had something worth over a million dollars in your home, you'd insure it with the best coverage you could find. The same has to be done with your income. Berkshire Life Insurance Company of America now offers ProVider Plus* with two options for teachers 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 they have offered for many years. 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 teacher. However, with the true own-occupation definition, if you couldn't work as a teacher 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 the true own occupation and modified own occupation versions of the policy have guaranteed rates that will not increase as you get older. 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.
|
Home
Request a Disability Insurance Quote
Common Questions
Guardian Policy Information
Chances of Becoming Disabled
Disability Insurance by Occupation
Request a Quote |
Site Map | Glossary | Contact Us |  |
| 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). |
Privacy Notice | Disclaimer |