There’s nobody else exactly like you.

Don’t settle for one-size-fits-all Disability Income Protection.

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Premier Protection for Your Income – at a Discount!

You've prepared for a career that will provide you with the income to achieve your financial goals. Protecting that income is one of the most important financial decisions you’ll ever make. If you became too sick or injured to work, disability income insurance can help replace your income and maintain your standard of living. Even if you have some type of income protection in place, you may want to consider a policy that enables you to purchase additional coverage to protect your growing income and your retirement plan contributions.

Program Highlights

  • Industry-leading income protection
  • Up to a 30% permanent discount on premiums for residents, fellows, interns and students1
The Reality – We’re Vulnerable

The causes of disabilities are more common than you might think. According to a claims review conducted by the Council for Disability Awareness, common examples of long-term disabilities include:

  • Muscoskeletal/Connective Tissue (Neck and back pain; joint, muscle and tendon disorders; foot, ankle and hand disorders)
  • Cancer and Neoplasms
  • Heart and circulatory disorders; strokes
  • Physical injuries
  • Mental Disorders

Source: Council for Disability Awareness (CDA), Long-Term Disability Claims Review, 2014

How to keep your Income Strong:
  • Student Loan protection rider pays up to $2,000 per month of your student loans
  • Disability income protection pays a monthly benefit if you become too sick or injured at work
  • Industry-leading income coverage pays benefits for more sources of income, including:
    • Base salary
    • Incentive compensation
    • Retirement contributions2
  • Discounted coverage that is portable
  • Flexibility to purchase additional coverage as your income increases
  • Benefits paid are tax-free if paid with after-tax dollars
  • An Enhanced Partial Disability Benefit Rider3 with only a 15% loss of income threshold, as compared to the industry standard 20%
  • Graded premiums that can help make the initial cost of coverage more affordable while you build your career and establish your income
  • A choice of 3% compound or Four-Year Delayed Cost of Living Adjustment Riders, to help benefits keep pace with inflation during a disability4 

If that wasn't enough, we also offer:

  • Flexible benefit period options – 2 Years, 5 Years, 10 Years, To Age 65, To Age 67, and To Age 70
  • A benefit rider specifically designed to help protect retirement contributions, even if you have yet to begin retirement savings.5



30% permanent discount available as a result of the Student & Resident Discount, Preferred Occupation Discount (for certain occupations) and a Mental Nervous and/or Substance Abuse Limitation Discount.  The discount is reduced to 200% if the limitation is removed through full underwriting. (The 24 month Mental Nervous limitation applies to all GSI & Conversion cases, regardless of occupation.)

The Retirement Protection Plus Disability Benefit Rider is not a pension plan or a substitute for one.

In California, this optional rider is called the Partial Disability Benefit Rider.

Not necessarily protection against increases in the cost of living.

5 Retirement contribution protection available under the Retirement Protection Plus program (RPP). RPP is not a retirement plan or a substitute for one.

Individual disability insurance policy Forms 18ID, 18UD, 18GI, 1400, 1500, and 1600 underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. In New York: These policies provide disability insurance only. They do not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 18ID, 1400, 1500, and 1600 the expected benefit ratio is 50%. For policy forms 18UD, 18GI, 18UD-F, and 18GI-F, the expected benefit ratio is 60%. The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms.