Detailed Long Term Disability Insurance Product Information

There are several product lines available through both Berkshire and Guardian. The primary individual disability insurance policy is Provider Plus. This policy is one of the most comprehensive policies available to a white collar professional today. It is Non-Cancellable and Guaranteed Renewable to age 65, offers a pure own-occupation definition of total disability and a residual disability rider that does not require a loss of time or duties in order to pay a claim. Should you decide to buy disability insurance through this agency, your initial proposal will be Provider Plus.

There are three levels of detailed product information available to you as a consumer:

1.		Detailed Disability Insurance Policy Advantages This brochure does an excellent job of explaining the competitive advantages of ProVider Plus disability insurance policy. It compares ProVider Plus to the XYZ company in several claim scenarios, and shows how Berkshire's policy may pay more in some of the most common claims scenarios.
2.		Specimen Disability Insurance Policy This is an actual specimen policy of ProVider Plus*. The specimen policy shows the actual language in a sample policy, as well as the sample language in every possible optional rider available to you. Remember a disability insurance policy is a legal contract, and is not like life insurance where there is only one way to get a claim paid. Every DI policy is different, because every policy has different definitions of total disability, residual disability, presumptive, etc... If you read Berkshire's definition of total disability in the specimen policy, you will see a pure own-occupation disability insurance policy for occupational classes 6-4P.
3.		Sample Disability Insurance Quote Center Once you request a personal long term disability insurance proposal from our web site, you will be emailed a link to your own personal web page. This page will provide you with additional resources not available to people just browsing the site. One added benefit is that you will be provided with a detailed 8-12 page proposal showing you the cost of disability insurance for somebody your age, in your occupation, with your income, in your state, with your health history. The detailed quote will also show you a grid of every possible annual premium for every elimination period, and benefit period the insurance company offers.

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** Policy forms 0100, 1100, 2100.