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disabilityincomepro.com
DI for Counselors
Many new disability insurance claims have been paid based upon mental and nervous disorders, Berkshire treats these as any other illness in every state except for Florida. Some of our competitors have put a two year benefit cap on these types of disabilities. In today's world we realize that mental and nervous illnesses do cause people the inability to perform the material and substantial duties of their regular occupation, they do make up a large percentage of the disability insurance claims we pay.
Why would you take a disability insurance policy that restricted payments for these types of disabilities to a maximum of two years when you see on a regular basis what they can do to people.
DISABILITY INSURANCE AND THE ROLE OF AN OWN-OCCUPATION DEFINITION OF TOTAL DISABILITY FOR MENTAL HEALTH PROFESSIONALS
In a specialized profession that has required a great deal of education, an own-occupation definition of total disability is the best option for someone considering disability income insurance. Considered the most liberal definition available, own-occ policies consider an individual to be totally disabled if he or she is not able to perform the material and substantial duties of their occupation. You will be considered totally disabled even if you are at work in some other capacity, so long as you are not able to work in your occupation. For social workers, we offer a disability insurance policy which pays own-occ benefits for the first five years of a claim, with a modified own-occ definition thereafter. Psychiatrists and psychologists can have own-occupation disability insurance to age 65.
Another Advantage of our disability insurance contract is the fact that Berkshire will treat mental and nervous claims as any other illness, with no written limitations in any state except for Florida. In Florida there is a two year maximum payout for claims derived from drugs, alcohol, mental or nervous disabilities.
Feel free to contact one of our disability insurance specialists. We can help you find answers about every major insurance company's disability insurance contract.
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W-2 Employees |
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