The ProVider Plus individual disability insurance policy offered by Berkshire Life Insurance Company of America was the number one individual Non-Cancellable disability insurance policy sold in 2006*. Physicians buy this coverage through Guardian because it offers a pure own-occupation definition of total disability with medical specialty language to age 65. Many physicians also choose to extend coverage buy purchasing Guardian's graded lifetime extension benefit period offering lifetime protection. There are several key differences between the ProVider Plus disability insurance policy, and coverage offered by the competition. ProVider Plus offers the medical specialty protection, a residual disability rider providing a recovery benefit for the entire benefit period, and no restrictions on mental or nervous disabilities. (FL has 2 year maximum)

Physician Residents / Interns Cardiologist Anesthesiologist Ophthalmologist OBGYN Oncologist Optometrist Otolaryngologist

Veterinarian Dentist Surgeons Emergency Room Physician Radiologist Pathologist Dermatologist Nurse

Feel free to contact one of our disability insurance specialists from 9-7 EST at 888-513-2300. ProVider Plus really may the be the best individual disability insurance policy a doctor or dentist can own today offering pure own-occupation benefits to age 65, an unlimited recovery benefit, optional graded lifetime benefits, and no limits on mental or nervous disabilities (FL has two year maximum).

*Source: LIMRA