Disability Insurance for Accountants & CPAs

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. A CPA receives the top occupational class 6, and accountants without a CPA designation get an occupational class 5 (with an option to move up to a 6). Both of these classes have some of the most competitive disability insurance rates in the industry, and the policy provisions are identical in either class.

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Why Choose Berkshire For Your Disability Insurance?

People purchase a personal disability insurance policy for many reasons, and how you choose to shop for a policy will dictate the type of policy you buy. If you look for the lowest rates, you will buy a disability income insurance policy that offers few guarantees on price leaving you open to large price increases later in life (true with many association plans). A more restrictive definition of total disability, making it more difficult to qualify for benefits when you truly need them, mental and nervous restrictions of two years, and an inferior provision for partial disability benefits. When you look for a term life policy it is generally okay to focus on the rates as there is only one way to collect benefits. Disability insurance policies can pay claims on an infinite number of scenarios, and if you truly want to protect your family and your income, you need to focus on the benefits offered in various types of policies.

We believe ProVider Plus disability insurance policy to be one of the most comprehensive levels of disability insurance protection an accountant can own. You also receive the best rates possible for this policy, making the decision to have Guardian protect your income a good one.

Major Differences Between Berkshire & Competitors Policies

If you'd like to make sure you understand your personal disability insurance policy before you buy it, make sure you understand the following provisions of any DI policy you review.

• Definition of Total Disability - Is it own-occupation, any-occupation, or just gainful occupation?
• Residual Disability Rider - Do benefits start at a 15% loss of income or 20%?
• Renewability Provisions - Is it Non-Cancellable & Guaranteed Renewable, Guaranteed Renewable, or Conditionally?
• Recovery Benefit Length - Do recovery benefits last for 6-12 months, or to age 65?
• Cost of Living Adjustment Rider - Does the inflation rider use simple or compound interest?

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