PROVIDER PLUSThe Intelligent Choice for Disability Income Insurance |
No one knows when - or how - disability will strike. That unpredictability is why the best disability income insurance policy is the one that generates the most benefits in the greatest number of disability scenarios. How do you know which DI policy is the best for you? Obviously, it's the one that provides the most comprehensive protection and has been tailored to meet your specific needs.
There are a number of criteria - independent of any specific company - that may be used to evaluate a disability policy.
These are five sound ways to judge:
- Renewability Provisions: These are the terms under which you can maintain your coverage.
- Definition of Total Disability: In the best policies, "total disability" will mean that because of sickness or injury you are unable to work at your regular occupation.
- Residual Disability Benefits: This provision will define the benefits you may receive if you are able to work but your earnings are reduced as a result of disability.
- Other Policy Benefits: The best policies contain additional provisions designed to protect your interests.
- Optional Benefits: You may choose among these benefits to enhance your coverage and allow you to tailor it to your specific situation.
DI policies can vary significantly in all these areas. Let's examine each of them more closely and analyze the reasons why ProVider Plus* is the intelligent choice for disability income insurance.
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*Form 0100, 1100 or 2100. Underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.
The information in this publication applies to occupation classes 6, 5, 4, 4P and 3 only.
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