ProVider Plus

With Berkshire Life Insurance Company of America you get the highest quality DI around, ProVider Plus*, with these hard-to-find features...
 

• Own-occupation – pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury... even if you are gainfully employed in another occupation.
• Non-cancellable and guaranteed renewable - What good is coverage that can be cancelled just when you need it most? Berkshire Life's policies stay in force as long as you keep paying premiums on time - and premiums are guaranteed to stay the same until age 65 (to age 67 with a To Age 67 benefit period).
• Optional Benefit Riders - Berkshire Life offers optional riders, which can be added to your policy for extra value and protection. Consider a rider:
  • To receive benefits if you suffer an income loss from a partial, rather than total disability (Residual Disability Benefit Riders)
  • To help your disability benefit keep pace with inflation (Cost of Living Adjustment Rider, or COLA)**
  • To have the option to apply for additional coverage without providing proof of medical insurability once a year for a specified number of years, or should you lose your employer sponsored long-term DI coverage. (Future Increase Option Rider)
  • To provide extra protection from the financial impact of the most severe disabilities (Catastrophic Disability Benefit Rider).
  • To insure that you can continue to save for your retirement even when a total disability strikes (Retirement Protection Plus Disability Benefit Rider).***
  • To provide a graded lifetime benefit provision that helps to protect you from the devastating impact of a long-term total and continuous disability (Graded Lifetime Indemnity for Total Disability Rider).
  • To help maintain your coverage if you become unemployed (Unemployment Waiver of Premium Rider)
  • To work alongside Social Security benefits (Social Insurance Substitute Rider)
  • Forms 1400, 1500.

* 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, New York, NY. Products not available in all states. Product provisions and features may vary by state.
** Please note: This benefit is not necessarily protection against increases in the cost of living.
*** Retirement Protection Plus is not a pension plan or a substitute for one.

Contact us now for more information.