As an accountant you are in one of Berkshire's top two occupational classes. An occupational class helps to determine your annual premium, and with Berkshire the higher your occupational class, the lower your disability insurance premiums will be. Accountants with a CPA designation receive the highest occupational class 6, accountants without a CPA designation receive an occupational class 5 with Berkshire. Both of these classes have some of the most competitive disability insurance rates in the industry.

The most foolish thought many professionals have is, "If I can sit in front of a computer, type and think than I can still work. I'm not at a really high risk of becoming disabled." If this is one of the thoughts you have had, it is time to wake up to reality. A major illness does not care what you do for a living, cancer will disable you the same way it will a physician or truck driver. A spinal injury from a car accident will leave your family in dire straights the same way it would the family of a plumber. Don't make the mistake of being blind to the multiple ways of becoming disabled, it's not just the car accident that can disable you. Illness can hit you at any point in your carreer, and without warning.

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"How do you compare to the AICPA disability plan?"

Berkshire's individual long term disability insurance coverage is not designed to have the lowest rates in the industry, it is designed to provide some of the most comprehensive disability insurance coverage in the industry. The Provider Plus * contract is Non-Cancellable and Guaranteed Renewable to age 65, this means your premiums will never increase, and you have the right to renew this coverage every year. AICPA is an association plan, and like most association plans is a completely different product than a personal disability insurance policy. To compare the two products is not really possible to do, as a consumer you need to make a choice on price or benefits. AICPA will have better rates every time, there is no doubt about that. If you want a personally owned contract with a very comprehensive level of coverage Provider Plus disability insurance may be your choice.

Berkshire's long term disability insurance contract also has an own-occupation definition of total disability; if you read the definition of total disability in both contracts you will easily spot the major differences. We will continue to pay a total monthly benefit if a sickness or injury prevents you from performing the material and substantial duties of your regular occupation, even if you are able to work in some other capacity.

Disability insurance is not the type of coverage to go with the lowest rates, this is the way to buy term life insurance. With term life insurance there is only one way to receive a claim, with disability insurance there are hundreds of thousands of ways to become disabled. It is a wise move to obtain coverage from a contract that pays the most claims dollars in the most claims situations.

The following is a table explaining the tax consequences of disability insurance policies.

We encourage you to request a disability insurance quote from Guardian Disability Insurance Brokerage. If you would like to discuss some of the more detailed differences between Berkshire's disability insurance coverage, and the coverage provided by the AICPA please indicate so in the additional remarks section of the quote request form.

Call 888-513-2300