Broker Check

Dental Residents

Coverage Designed with You in Mind

As a Dental Resident, you may obtain a monthly benefit up to $3,000 per month of individual disability coverage1.

Individual disability insurance coverage with Berkshire Life Insurance Company of America, a Guardian company is on a Guaranteed Standard Issue basis:

  • No medical underwriting required
  • Definition of Total Disability: True Own-Occupation with specialty language
  • Benefit period to age 65
  • Up to a 20% permanent discount2

Optional riders include:

  • Enhanced Partial Disability Rider along with a Recovery Benefit to match your benefit period (to age 65 or 67)
  • Retirement Protection Plus (RPP) Disability Rider3
  • Enhanced Catastrophic Disability Benefit Rider
  • Future Increase Option Rider4
  • Student Loan Protection Rider5


Contact your University Endorsed Agent: 

Dustin Peltier

612-816-1901
dustin_peltier@fosterklima.com


1  Higher limits and additional optional benefits available with full underwriting and for additional premium

2  20% discount contains a 10% mental nervous and/or substance-related disorders limitation (on all conversion policies) and a 10% Student/Resident Discount (one must apply within 90 days of completing your program to receive)    

3 Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.

4 Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are: financial information as well as all disability insurance in force, for which you’ve applied, or are eligible to receive.

The Rider provides coverage for a period of 10 to 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15- year term that has not elapsed when the disability begins.