Disability Services

What's New

ProVider Plus

With Berkshire Life Insurance Company of America you get the highest quality DI around, ProVider Plus1, has these hard-to-find features...

Total Disability - When benefits are payable.
Disability income insurance policies provide a monthly benefit for total disability. Pay particular attention to how total disability and totally disabled is defined. It is the key differentiating factor in how valuable that policy will be to you during an actual disability.

Provider Plus offers a true own occupation definition of total disability. It considers you to be totally disabled if, solely due to injury or sickness, you are not able to perform the material and substantial duties of your occupation (or occupations, if more than one), even if you are at work in another occupation.

Medical and dental specialists will also appreciate our specialty language: If you have limited your occupation to the performance of the material and substantial duties of a single medical or dental specialty, we will consider that specialty to be your 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:
  • Residual Disability Benefit Rider - To receive benefits if you suffer an income loss from a partial, rather than total disability. There is no loss of time or duties required for a Residual claim.6
  • Cost of Living Adjustment Rider - To help your disability benefit keep pace with inflation.7
  • Future Increase Option Rider - 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 group long-term DI coverage.8
  • Catastrophic Disability Benefit Rider - To provide extra protection from the financial impact of the most severe disabilities.
  • Retirement Protection Plus Disability Benefit Rider - To insure that you can continue to save for your retirement even when a total disability strikes.9
  • Graded Lifetime Indemnity for Total Disability Rider - To provide a graded lifetime benefit provision that helps to protect you from the devastating impact of a long-term total and continuous total disability.10
  • Unemployment Waiver of Premium Rider - To help maintain your coverage if you become unemployed.
  • Social Insurance Substitute Rider - To work alongside Social Security benefits.

1-10 Refer to Disclosure tab

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