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Berkshire realizes the importance of protecting your income in the unfortunate
event of a sickness or injury. Today, more then ever, Berkshire provides
professionals and business executives with one of the industry's top disability
insurance contracts. Your ability to earn an income
is your most valuable asset. A Berkshire disability insurance contract will
help ease your financial burden during a disabling sickness or injury by
insuring up to 60% of your income. Purchasing a quality disability insurance
contract that allows you to feel comfortable and confident that the needs
of you and your family will be taken care of, is irreplaceable. Read the
following highlights of our disability contract and decide for yourself.
Call 888-513-2300
Request A Quote
Why is disability insurance a necessity?
For just a moment reflect on your own financial situation. You have worked very hard to reach the place you are currently at as a member of the business community. You are financially comfortable, and while we could all use more money, you have provided a lifestyle for your family that is enjoyable and fulfilling. However, an unforeseen event, such as a car accident or heart attack prevents you from working and earning an income. While you believed that by purchasing life insurance you had thoroughly protected your family's interests if you passed on, but you never contemplated the possibility of life with, or after a disability.
Disability insurance exists to help you pay your monthly bills and stay
financially stable in the event of a sickness or injury. Without disability
insurance you are running the risk of placing your lifestyle and family's
well being at jeopardy. That is why, when considering which disability
insurance contract is right for you, you want the best. Berkshire is a
superior company that offers a top notch individual disability insurance contract. Here are some reasons why:
True Own-Occupation Definition Of Total Disability
Berkshire is one of a very few carriers who still offer a true
own-occ definition of disability. While other carriers will not continue
to pay benefits if you are disabled and you return to work in another
occupation, Berkshire will consider you totally disabled if you cannot
perform the material and substantial duties of your occupation, even if
you are working in some other capacity. However, this is not the case with some of our competitors.
Call 888-513-2300
Request A Disability Insurance Quote
Definition Of Residual Disability
As you begin to recover from your disability, you want a company who
will stick by you and support you as you work harder to recover the income
and clients you may have lost during your sickness or injury. There are
two types of residual disability in the insurance business today. The
first pays you based strictly on your loss of time and duties. The other
bases residual disability payments on your percentage loss of income.
Looking at this closely a contract that pays residual disability benefits
based on time and duties will stop paying you when you return to work
full time. However, the Berkshire contract will continue to help ease
your financial burden by paying benefits until your income has reached
its former level. A disability insurance policy should not penalize you
for returning to work, it should support you while you rebuild your business.
Substantial Discounts For You and Your Staff
Berkshire will also offer a substantial discount for you and your employees
purchasing disability insurance contracts. Your employees, including secretaries,
paid interns and other staff are a vital lifeline for your business. While
we understand the need to protect your income, we also recognize the need
to protect the people who help and work with you every day. That is why
Berkshire now offers a discount for any employer who sponsors at least
a two person (including yourself) disability list bill. You and your staff
can now purchase the best disability contract on the market and receive
a discounted premium.
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