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Individual Disabiilty Income Insurance

Provider Plus

(Not working in your regular occupation)

Definition of Total Disability

Because of sickness or injury, you are not able to perform the material and substantial duties of your occupation. The regular occupation (or occupations, if more than one) in which you are engaged at the time you become disabled. You will be totally disabled even if you are at work in some other capacity, so long as you are not able to work in your occupation.* If your occupation is limited to a single medical specialty certified by the American Board of Medical Specialties or a single dental specialty recognized by the American Dental Association, we will deem your specialty to be your occupation.

*Classes 6,5,4 & 4P only


(optional - available to classes 6-3)

Definition of Residual Disability

Residual disability means that you are at work and are not totally disabled, but because of sickness or injury your loss of income is at least 20% of your prior income.

How Residual Indemnity is Determined

After the elimination period has been satisfied, the actual percentage of loss will apply for the first six months of residual disability. After the first six months, residual indemnity is computed for each six month period on the average of your current income for the preceding six months.

Enhancements to Residual Indemnity

During the first six months in which residual indemnity is payable, we will deem your loss of income to be 50% of prior income or the percentage loss, if greater.

Additional Residual Information

If your loss of income is more than 75% of prior income, we will deem such loss to be 100%. If your loss of income is less than 20% of prior income, we will continue to pay residual indemnity so long as the monthly benefit payable is at least $500.



Catastrophic Disability Rider (CAT)

This additional monthly benefit is payable if, due to sickness or injury, the insured is unable to perform 2 or more Activities of Daily Living without human standby assistance, or, has a Cognitive Impairment, or has an irrecoverable Presumptive disability.

Waiver of Elimination Period

We will waive the elimination period if you become disabled within five years after the end of a prior disability which lasted more than six months and for which Guardian paid benefits. This can mean first day coverage within five years for all periods of disability beginning after full recovery, regardless of cause.

Presumptive Total Disability Benefit

You will always be considered totally disabled, even if you are at work, if sickness or injury results in your total and complete loss of the sight of both eyes; or the hearing of both ears; or power of speech; or the use of two arms, or two legs, or one arm and one leg, in their entirety. Unexpired parts of the elimination period will be waived from the date of loss.

Capital Sum Benefit

The capital sum will be paid in addition to any other indemnity payable if, because of a sickness or injury, you lose the entire sight in one eye with no possibility of recovery; or suffer the complete loss of a hand or foot by severance through or above the wrist or ankle; and you survive it for 30 days. Up to two losses are payable during your lifetime.

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 provision and features may vary from state to state.

Opes One Advisors