Individual Disability Income
Program highlights for students, residents, and fellows
It’s time to convert yourgroup DI to an individual policy
One good plan deserves another
Your life’s plan is becoming a reality. All the hard work, years of sacrifice and unwavering commitment were necessary steps to a rewarding career. Your investment has been considerable and you’re almost there. Congratulations!
Before moving to the next rung in your career, there’s an important step to take: Protect your earning power from the devastating effects of an illness or injury.
Right now a disability may seem like a non-issue. You’re young, healthy and way too busy to worry about something that will probably never happen, right? Besides, you’re covered by a group plan…
Let’s take a closer look at your situation:
• Group plan coverage ends when you leave the group.
• Now is the ideal time to convert group coverage to individual coverage for the very reason you don’t think you need it: You’re young and healthy.
• Think you’re immune from disability? Think again. One in four of today’s 20-year-olds will become disabled before they retire.1
The time to act is now
Take the opportunity to lock in income protection in the event of a disabling illness or injury. Your existing group plan can be converted to individual disability insurance coverage; coverage you’ll own and take with you wherever life leads. When you leave the group, the opportunity to convert your coverage without medical or financial underwriting2 is gone.
We can even design supplemental coverage to suit your specific circumstances and help safeguard your life’s plan with individual disability insurance coverage.
This brief publication only highlights a few of the features of the disability income insurance available through this program
Contact Us for Additional Information
Your Guardian® representative is:
The Guardian Life Insurance Company of America
guardianlife.com
New York, NY
Pub4465BL-IMP (03/23) | 2021-126561 (Exp. 10/23)
For producer use only. Not for use with general public.
1 U.S. Social Security Administration Fact Sheet, June 2020.
2 You must provide details concerning other disability income insurance in force or applied for or for which you would become eligible under another plan within 31 days after the date that this group coverage ends.
Individual disability insurance Policy Forms 18ID and 1400 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. Product provisions and availability may vary by state.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America.
© Copyright 2023 The Guardian Life Insurance Company of America.
Offered to
4th Year Dental Students inTexas
Offered exclusively through
• Simplified underwriting — no medical or financial questions to answer.2
• Individually owned and portable policy. Policy provisions and premium rate to age 67.
• True own-occupation definition of total disability, meaning an inability to work in your own occupation. Policy typically pays benefits if you cannot return to work in your particular specialty or field.
The Guardian Life Insurance Company of America
guardianlife.com
New York, NY
Pub4465BL-IMP (03/23) | 2021-126561 (Exp. 10/23)
For producer use only. Not for use with general public.
1 U.S. Social Security Administration Fact Sheet, June 2020.
2 You must provide details concerning other disability income insurance in force or applied for or for which you would become eligible under another plan within 31 days after the date that this group coverage ends.
Individual disability insurance Policy Forms 18ID and 1400 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. Product provisions and availability may vary by state.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America.
© Copyright 2023 The Guardian Life Insurance Company of America.
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