Disability Income

Guardian offers True Own Occupation Coverage and a CBA Member Discount

Disability Income

The Guardian Life Insurance Company of America offers high-quality income protection and excellent service to its policyholders. Our premium rates for attorneys are also very competitive and we offer a 10% association discount for CBA members.

The Guardian policy for CBA members makes a true "Own Occupation" definition of total disability available in the contract. This is the heart of a disability policy. This policy feature protects not only a loss of income, but specifically your ability to work as an attorney. In other words, if you become totally disabled as an attorney, you will receive your monthly benefit from your policy, even if you decide to work in another occupation after you're disabled.

Berkshire's ProVider Plus (Policy form 1400*) also offers the following exceptional optional features: (not all features are available at all ages and all benefits are subject to underwriting).

	Future Increase Option: This allows you to apply to increase your monthly income benefits every year on your policy anniversary without further medical underwriting (through age 55). You only have to prove financially that you qualify for the increased benefit.**
	Cost of Living Adjustment: Increases your monthly income benefit at claim time by up to 3% or 6% compounded annually (your option). This feature can help protect your income benefits from the ravages of inflation over time. The increase is applied to total and/or partial monthly benefits. This feature does not necessarily fully protect you from the increase in the cost of living.
	Graded Lifetime Indemnity for Total Disability: Depending on your age if you become totally disabled (and remain continuously so until the end of the benefit period), you can receive all or a portion of your benefit for life. ProVider Plus is one of the very few policies that makes this option available. This is a valuable feature of our policy as most people still need income beyond age 65. Ask your representative for age limitations.
	Catastrophic benefits. Offers you the opportunity to replace up to 100% of your pre-disability earnings if you suffer a disability that causes a functional or irrecoverable disability, cognitive impairment or the loss of two or more Activities of Daily Living. Please ask Dave Richards for complete details.

Other benefits are available: ask your representative for more information on limitations and availability.

Be sure to call Dave Richards today for information and a detailed proposal. Remember, you can also request information online through our Information Request page.

* Disability Income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian. Product provisions and features may vary from state to state.

** Restrictions and limitations apply. A Future Increase Option exercised while disabled will not increase the claimant's benefit while continuously disabled from the same, original cause. Other in-force disability insurance may reduce the amount of Future Increase Option available for exercise. Please refer to the language of the Future Increase Option rider for further details.