Purposefully Engineered High-Performing Income Protection

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1 The Intelligent Choice for Disability Income Insrance Prposeflly Engineered High-Performing Income Protection Keeping Income strong

2 We engineer or disability income prodcts with featres that deliver benefits sooner and contine paying benefits for a longer dration. ProVider Pls Tre Own-Occpation Definition of Total Disability & Specialty Langage for Medical and Dental Specialties Non-Cancellable & Garanteed Renewable to Age 65 or 67 Residal Disability Benefit Rider (with Recovery Provision) Waiver of Elimination Period Waiver of Premim Benefit Ftre Increase Option Rider Cost of Living Adjstment Riders Presmptive Total Disability Benefit Graded Lifetime Indemnity for Total Disability Rider Retirement Protection Pls Disability Benefit Rider Unemployment Waiver of Premim Rider Catastrophic Disability Benefit Rider Atomatic Benefit Enhancement Rider Capital Sm Benefit Social Insrance Sbstitte Rider Premim Options The featres and optional riders listed above are described in this brochre beginning on Page 4. Prodct provisions and featres may vary from state to state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms, conditions and limitations.

3 Consider What Yor Income Makes Possible Yor income is the fondation of the life yo created. Withot income, or everyday lives and or plans for the ftre are affected. What does the life yo bilt look like? What wold be impacted if yo were too sick or injred to work? Use the Monthly Expense Tool on this page to assess yor personal sitation and learn what may be at risk. What if the Unexpected Happened to Yo? Illnesses like cancer, heart attack or diabetes case the majority of long-term disabilities. Back pain, injries, and arthritis are also significant cases.* If the nexpected happened to yo... How long wold yor savings last? Wold yor spose or partner s income be sfficient for all yor financial obligations? What lifestyle changes wold yo be forced to make forgo college fnding, postpone retirement, downsize yor home? Sorces of Income Replacement When yo lose the ability to earn a living, other sorces of income become critical to maintaining yor lifestyle. Bt are they enogh? Will they be there when yo need them? Employer-Sponsored Grop Disability Coverage Social Secrity Worker s Compensation Retirement Savings Personal Assets Sposal Income Individal disability income protection is one of the most reliable and flexible sorces of income replacement. How do yo spend yor income and what wold be at risk? MONTHLY EXPENSE TOOL Hosing $ Utilities $ Groceries $ Credit Cards $ Child Care $ College Tition $ Retirement $ Ato Payments $ Loan Payments $ Insrance Premims $ Entertainment/Miscellaneos $ TOTAL: * Concil for Disability Awareness website accessed Jly 2011, disability/cases.asp 1

4 Consider a Policy in its Entirety Acknowledging that yor crrent sorces of income replacement may not be adeqate in the event yo become too sick or injred to work is an important first step. Now it s time to evalate choices that will meet yor needs for income replacement. It s important to consider how a policy performs in its entirety to determine if the coverage can provide sfficient vale and financial assistance dring a period of disability. The information below was developed to help yo nderstand how disability income policies work and how they differ from company to company. Use the qestions and key terms on this page to help identify the featres to look for in a high-qality disability income policy. One - Two - Three - How mch income replacement will I need? To start, se the Monthly Expense Tool on Page 1 to determine yor risk. Discss yor personal sitation with yor insrance professional who can provide frther detailed assessment of yor income replacement needs. How mch coverage may I qalify for? The monthly benefit amont is based on yor financial and occpational information. Most policies offer the opportnity to prchase more coverage as yor income grows withot the need to provide frther evidence of good health. What will determine whether or not I m disabled and when do benefits begin? The core of any disability income policy, the definition of Total Disability, otlines what constittes being totally disabled. This definition is in every carrier s policy; however, it does not always mean the same thing. Some policies pay benefits if yo re nable to perform the dties of yor own occpation, even if yo are at work in another occpation. Others pay only if yo re nable to perform the dties of yor own occpation and yo are not working in any other occpation. Still others pay only if yo cannot work in any occpation for which yo are reasonably qalified. Most policies also offer benefits for Residal Disability those payable if yor disability isn t total bt does reslt in yor inability to perform some aspects of yor job. Residal disability benefits are typically payable in an amont that is proportionate to the loss of income sffered de to sickness or injry many policies have different reqirements. For - Five - Six - How long will benefits be payable? A policy s Benefit Period refers to the maximm length of time yor policy will pay benefits once yo become eligible. Standard choices inclde 2, 5, or 10 years; to age 65 and to age 67. A few, select policies offer the option to extend benefits for life shold yo remain continosly, totally disabled. Cold my policy be changed, cancelled or my premim raised? Renewability provisions are among the most critical featres of any disability income policy becase they define yor rights for keeping yor coverage in force. Policies can be non-cancellable and garanteed renewable, or garanteed renewable only. Policies that are both Non-Cancellable and Garanteed Renewable offer the strongest premim and coverage garantees available, which means as long as yor premims are paid on time, yor policy cannot be cancelled, premims cannot be increased and policy provisions cannot be changed. Policies that are only Garanteed Renewable cannot be cancelled, bt premims can be increased. Will my benefits keep pace with inflation? Most policies offer riders to help yor benefits keep pace with inflation. A Cost of Living Adjstment (COLA) rider will adjst benefits each year while yo remain disabled and eligible for benefits. COLA riders can be vital to maintaining yor standard of living dring an extended disability. A policy s Elimination Period (or waiting period) is the length of time that mst elapse following the onset of disability before benefits become payable. 2

5 High-Performing Income Protection ProVider Pls When it comes to income protection, professionals shold consider policies that can pay more dring a disability and throghot recovery as described in this brochre. It s tre, we don t know when a disability may strike bt by choosing ProVider Pls, yo can feel confident in owning a high-performing policy from a reptable indstry innovator with sperior financial ratings. Ratings for Berkshire Life, a Gardian company, as of Jly 2011: A++ from A.M. Best Company AA+ from Standard and Poor s Contine reading abot ProVider Pls: Total Disability Unable to work in yor occpation Renewability Provisions Non-Cancellable & Garanteed Renewable Residal Disability Benefit Rider Able to work bt with redced earnings More Policy Riders & Featres Flexible ways to cstomize yor coverage and provide comprehensive protection Berkshire Life Insrance Company of America, Pittsfield, MA, is a wholly owned stock sbsidiary of The Gardian Life Insrance Company of America, New York, NY. 3

6 Definition of Total Disability Featre Vale: The Choice to Work in Another Occpation is Yors How this Featre Works to Protect Yo: ProVider Pls is prposeflly designed to inclde a tre own-occpation definition of Total Disability. Or definition makes it possible for yo to work in another occpation and still be eligible for total disability benefits. We consider yo totally disabled if, solely de to injry or sickness, yo are not able to perform the material and sbstantial dties of yor occpation, even if yo are at work in another occpation. If yo have the energy, interest, and motivation to prse another occpation, while totally disabled in yor occpation, or tre own-occpation definition doesn t prevent yo from doing so. If yo are a physician or a dentist who has limited yor occpation to the performance of the material and sbstantial dties of a single medical or dental specialty, we will deem that specialty to be yor occpation. Prodct provisions and featres may vary by state. Please refer to the Appendix for more information regarding prodct terms and conditions. 4

7 Non-Cancellable & Garanteed Renewable Featre Vale: Offers the Greatest Degree of Consmer Protection How this Featre Works to Protect Yo: Renewability provisions are among the most critical featres of any disability income policy becase they define yor rights for keeping yor coverage in force. ProVider Pls offers one of the strongest premim and coverage garantees available becase it is both Non-Cancellable and Garanteed Renewable. In considering ProVider Pls, a policy that is both non-cancellable and garanteed renewable, yo are assred that premim rates and policy provisions will not be changed as long as premims are paid on a timely basis. Personal ownership of a non-cancellable and garanteed renewable policy means it is portable, so yo can take it with yo even if yo change employers. Prodct provisions and featres may vary by state. Please refer to the Appendix for more information regarding prodct terms and conditions. 5

8 Residal Disability Benefit Rider Featre Vale: Delivers More Benefits Sooner and for a Longer Dration How this Featre Works to Protect Yo: Sometimes an illness or injry doesn t case a total disability bt limits yor ability to work, which reslts in decreased income. Or, yo might sffer a total disability and retrn to work, bt not at yor pre-disability earnings. This best-in-class rider helps spport yor financial recovery. Or Residal Disability Benefit Rider provides benefits when, de to injry or sickness, yo sffer a loss of income of 15% or more. SOONER: Most other companies pay only when the loss of income is 20% or more, and may reqire a loss of time or dties in addition to the loss of income, possibly preventing yo from receiving benefits sooner. MORE: For the first 12 months that residal disability benefits are payable, we replace lost income dollar-for-dollar, p to the policy s monthly benefit. * After the first 12 months, benefits are paid in proportion to yor income loss. If the loss of income is 75% or more, we consider the loss to be 100%. Engineered To Perform Better ProVider Pls Residal Benefits Engineered To Perform Better Most Other Policies' Residal Benefits** 15% or more income loss reqired 20% or more income loss reqired No loss of time and dties reqired Dollar-for-dollar income replacement for first 12 months*, p to monthly benefit After benefits have been paid for 12 months, proportionate benefits begin in month 13 Reqires loss of income and a loss of time or dties Proportionate benefit only with a minimm of 50% of monthly benefit dring the first 6 months Proportionate benefits begin in month 7 * If yo own mltiple disability insrance policies, the featre payable nder the Residal Disability Benefit Rider will be redced by benefits payable nder those policies that were in force before this rider is issed, so that the sm of all disability benefits does not exceed actal lost income. ** Assmes other policy residal benefits provide a minimm 50% of the total disability benefit dring the first six months, followed by a benefit proportionate to income loss. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 6

9 Recovery Provision Featre Vale: Pays Benefits While Yo Recover Financially How this Featre Works to Protect Yo: This provision, which is bilt into or Residal Disability Benefit Rider, is designed to do more to assist with yor financial recovery following a disability. Shold yo contine to sffer at least a 15% loss of income solely de to yor sickness or injry even after yo have physically recovered and retrned to work fll-time, we contine to pay benefits for p to the fll benefit period. LONGER: Other carriers may only pay for a limited time, which may or may not properly spport yor financial recovery. CONSIDER THIS: Yo have a bike accident and injre yor knee. Yor initial prognosis is srgery with six months of rehabilitation. Unforeseen setbacks reslt in tilizing yor ProVider Pls policy, with its Residal Disability Benefit Rider, for an extended period of disability. Bike Accident Elimination Period Unable to work at all Physical recovery allows yo to retrn to work part-time Physical recovery allows yo to retrn to work fll-time Financial recovery No income Sffered loss of income greater than 15% Contined to sffer loss of income greater than 15% Earnings grew to more than 85% of pre-disability income The elimination period is the length of time that mst elapse following the onset of disability before benefits become payable. Policy pays Total Disability Benefits. Policy pays Residal Disability Benefits for loss of income. Under the Recovery Provision, policy contines to pay Residal Disability Benefits for contined loss of income, despite yor retrn to work fll-time. Claim ends. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 7

10 Waiver of Elimination Period ProVider Pls EXCLUSIVE Featre Vale: Pays Sooner for Sbseqent Disabilities Regardless of Case How this Featre Works to Protect Yo: We nderstand that any period of disability can be emotionally and financially stressfl. We took this into accont when we designed or niqe Waiver of Elimination Period (EP) policy featre. If yo sffer a disability that lasts more than six months and we pay benefits, we will waive the elimination period for any sbseqent disability that occrs within five years regardless of the case. CONSIDER THIS: Yo have a heart attack and yo re Totally Disabled for seven months. After satisfying the elimination period, yo received benefits. Then yo recover. Within five years, yo become disabled again, from any case whether from residal effects of yor previos heart attack or another case, sch as a car accident. With ProVider Pls, yo wold not need to satisfy another elimination period reqirement. Month* Stats ProVider Pls Other Policies 1st 3rd Disabled EP EP 4th 7th Disabled $40,000 $40,000 8th 54th Recovered $0 $0 55th 57th Disabled $30,000 EP We Pay More Benefits Sooner Chart Assmptions: $10,000 monthly benefit, 90-day elimination period. *The elimination period of a disability insrance policy may be referred to in days or months. The ProVider Pls elimination period is in days. For the prpose of this illstration, one month eqals 30 days. Prodct provisions and featres may vary by state. Please refer to the Appendix for more information regarding prodct terms and conditions. 8

11 Waiver of Premim Benefit Featre Vale: Helps Redce Financial Stress After Recovery How this Featre Works to Protect Yo: We waive premims dring a period of disability and contine waiving for six months after yor claim ends. What s more, we also reimbrse for premims yo may have paid that apply to the period of disability even if paid prior to yor disability. We refnd any premims yo have paid that apply to the period of disability. We ll waive premims for as long as yo re disabled with the same claim and receiving benefits. We ll contine to waive premims for six months following yor recovery. While refnding ALL premims paid that apply to a period of disability is not a typical practice with other disability insrance carriers, we believe it is the right thing to do. Waiving premims for six months after a disability ends is another niqe advantage we provide. It makes getting back to work and restoring financial health yor top priority. Prodct provisions and featres may vary by state. Please refer to the Appendix for more information regarding prodct terms and conditions. 9

12 Ftre Increase Option Rider Protecting increases in ftre income Featre Vale: Benefit Increases with No Medical Underwriting Garantees the opportnity to prchase more disability income protection as yor income grows, with no medical nderwriting. How this Featre Works to Protect Yo: To help protect a growing income, or Ftre Increase Option (FIO) Rider is designed to help yo increase coverage with ease even if yo are disabled. Obtaining additional coverage to protect a growing income normally reqires providing evidence of good health. Or Ftre Increase Option Rider offers yo the opportnity to prchase additional coverage each year on the policy s anniversary, p to and inclding age 55, with no medical insrability reqirement. Yor eligibility will be determined by yor then-crrent financial sitation and taking into consideration other disability insrance yo have in force or for which yo have applied. Here s how it works: Annally, p to age 45, yo can exercise all or part of yor remaining FIO option amont. Annally, from age 45 and ntil age 55, yo can exercise p to one-third of the original FIO amont (or yor remaining FIO amont, if less than $1,000). Special Option Dates! Or FIO rider also incldes special option dates that allow offanniversary increases for events sch as the loss of grop long-term disability coverage. Pls, yo may exercise yor increase option, even if yo are disabled and on claim. The premim for the increase will be waived while on claim and for six months afterwards. Yor additional coverage will then apply to any new and separate disability. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 10

13 Cost of Living Adjstment Rider Featre Vale: Can Significantly Increase Benefits Dring a Disability How this Featre Works to Protect Yo: Dring a disability, fixed dollar benefits can t keep pace with inflation. That is why a Cost of Living Adjstment (COLA) rider provides an important benefit. We offer three different COLA rider options that adjst yor policy s monthly benefit annally to help keep pace with inflation dring a disability. Each of these riders is designed to adjst yor monthly benefit whether yo re totally or residally disabled and incldes compond annal adjstments and a minimm benefit adjstment of 3%, calclated on a componded basis. There are no limits to the nmber of annal adjstments made on yor policy before age 65. Additionally, shold yo recover, yo atomatically retain increases, free of charge, ntil age 65 or 67. 6% MAXIMUM 3% COMPOUND 4-YEAR DELAYED After yo ve been disabled for 12 months, we ll adjst yor monthly benefit each year according to changes in the Consmer Price Index for Urban Consmers (CPI-U). Componded increases will be no lower than 3% componded and no higher than 6%. After yo ve been disabled for 12 months, we ll increase yor monthly benefit each year by 3%, componded annally. We ll increase yor monthly benefit each year by 3% componded annally. Increases begin on the forth anniversary of the date yo originally became disabled. Cmlative Annal Benefits Withot COLA Rider 6% Maximm* 3% Compond 4-Year Delayed 1 $90,000 $90,000 $90,000 $90,000 2 $120,000 $127,200 $123,600 $120,000 3 $120,000 $134,832 $127,308 $120,000 4 $120,000 $142,922 $131,127 $120,000 5 $120,000 $151,497 $135,061 $123, $120,000 $202,737 $156,573 $143, $120,000 $271,308 $181,511 $166, $120,000 $363,072 $210,421 $192,565 TOTAL BENEFIT $2,370,000 $4,384,271 $3,194,445 $2,941,391 Chart Assmptions: $10,000 Monthly Benefit, 90-day Elimination Period, To Age 65 Benefit Period, Totally Disabled from age 45 to 65. *Assmes the CPI-U increases by 6% annally throghot entire period of disability. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 11

14 Presmptive Total Disability Benefit Featre Vale: Engineered to Provide Immediate Benefits in More Sitations How this Featre Works to Protect Yo: The ProVider Pls Presmptive Total Disability Benefit is a bilt-in policy featre designed to provide extra financial protection for certain severe disabilities. Even if yo can still perform some or all of yor reglar job responsibilities, and even if yo are expected to recover, we consider yo to be totally disabled and entitled to fll benefits if sickness or injry reslts in the total and complete loss of sight in both eyes, hearing in both ears, speech, or the entire se of both hands, both feet, or one hand and one foot. Engineered to provide day one benefits for these severe disabilities, we waive the elimination period and pay fll benefits even if yo re expected to recover, and even if yo re flly employed and earning an income despite yor condition. Other carrier policies might only waive the elimination period for presmptive disabilities that are permanent and irrecoverable. CONSIDER THIS: Yo sffer compond fractres in both feet de to a car accident, experience the total and complete loss of their se, bt are expected to recover. WAIVES ELIMINATION PERIOD & PROVIDES DAY ONE BENEFITS ProVider Pls Presmptive Benefit YES Most Other Policies' Presmptive Benefit NO CONSIDERS YOU TOTALLY DISABLED YES NO PAYS YOU TOTAL DISABILITY BENEFITS FOR YOUR PRESUMPTIVE DISABILITY REGARDLESS OF YOUR ABILITY TO WORK YES NO Prodct provisions and featres may vary by state. Please refer to the Appendix for more information regarding prodct terms and conditions. 12

15 Graded Lifetime Indemnity for Total Disability Rider Featre Vale: Provides Benefits for Life How this Featre Works to Protect Yo: All disability income policies inclde a monthly benefit for total disability payable for the policy s benefit period. Few policies offer disability benefits that are payable beyond the benefit period for life like ProVider Pls. Or Graded Lifetime Indemnity for Total Disability Rider provides a monthly lifetime indemnity for continos total disabilities, payable after the policy s benefit period. The lifetime indemnity amont is determined at the end of yor benefit period by yor age when the continos total disability began. For disabilities that began on or before age 45, the lifetime indemnity is eqal to 100% of yor policy s monthly benefit. For continos total disabilities that began after age 45, the lifetime indemnity amont is redced (or graded) by 5% for each year beyond age 45. If yo are totally disabled at or before age 45 and remain so to age 65, we will pay yo 100% of yor monthly Total Disability Benefit each month for yor continos total disability, for the rest of yor life. Monthly Benefit To Age 65 Lifetime Indemnity Amont Monthly Benefit To Age 65 Lifetime Indemnity Amont Monthly Benefit To Age 65 Lifetime Indemnity Amont Benefits $10,000 $10,000 $10,000 $7,500 $10,000 $5, % of the monthly benefit 75% of the monthly benefit 50% of the monthly benefit Age For continos total disability beginning at age 40 For continos total disability beginning at age 50 For continos total disability beginning at age 55 Charts Assmptions: $10,000 Monthly Benefit, To Age 65 Benefit Period Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 13

16 Retirement Protection Pls Disability Benefit Rider Featre Vale: Helps Replace Retirement Contribtions How this Featre Works to Protect Yo: Or Retirement Protection Pls (RPP) Disability Benefit Rider is designed to help yo maintain a healthy retirement strategy by replacing contribtions made to a defined contribtion plan dring a disability. Once eligible for benefits, a monthly benefit insring p to 100% of yor retirement contribtions, inclding any employer-matching contribtions, will be paid into a trst established by yo. The trstee invests benefits at yor direction. Here s how a retirement plan might fare with and withot an interrption of contribtions. RPP can close the savings gap cased by a disability. Combined assets, retirement fnd if disabled pls RPP trst, wold total $2,862,326. $2,980,719* Retirement Fnd if Healthy $2,610,896** RPP Trst Assets Retirement Assets $251,430 Retirement Fnd if Disabled Age Chart Assmptions: $2,000 per month contribted to the plan beginning at age 35. Total disability occrs at age 36 and contribtions stop. Disability contines to age 65. * Assmes an annal rate of retrn of 8% on retirement contribtions, with no disbrsements taken prior to age 65. ** Assmes yo are eligible for benefits nder the policy with payments beginning 30 days following the 180-day elimination period and an annal rate of retrn of 8% on RPP benefits. This rate is for illstration prposes only. Actal rate of retrn will likely vary. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 14

17 More Policy Riders & Featres Unemployment Waiver of Premim Rider Helps yo maintain yor coverage dring a period of nemployment. This featre waives premim payments for 12 months if yo become nemployed and receive nemployment compensation for at least 60 consective days regardless of whether or not yo retrn to work. Best of all, yor coverage contines to protect yo dring this 12-month period. Catastrophic Disability Benefit Rider Since catastrophic disabilities are often permanent or at least long-term we specifically designed or Catastrophic Disability Benefit Rider to inclde an atomatic annal componded 3% increase adjstment to help benefits grow faster and provide greater income protection. When combined with the base policy benefit and other disability coverage, the catastrophic disability benefit may provide p to 100% income replacement. Catastrophic disabilities inclde: Cognitive impairment that reqires sbstantial spervision The loss of two or more of the following Activities of Daily Living (ADL) bathing, continence, dressing, eating/feeding, toileting and transferring Total, complete and irrecoverable loss of sight in both eyes, hearing in both ears, speech, or the entire se of both hands, both feet or one hand and one foot Atomatic Benefit Enhancement Rider This convenient, no-cost rider, helps keep yor disability insrance benefit aligned with normal, annal income increases yo might experience when healthy. It is applied atomatically to eligible policies and provides an annal 4% benefit increase each year for five years with no proof of income reqired. Each increase will inclde corresponding attained age premim. Rider eligibility will be determined at the time of nderwriting. Capital Sm Benefit Or Capital Sm Benefit is paid in addition to any other benefits payable if, becase of sickness or injry, yo lose the entire sight of one eye with no possibility of recovery or sffer the complete loss of a hand or foot severed throgh or above the wrist or ankle and yo srvive it for 30 days. The Capital Sm Benefit is eqal to 12 times yor monthly benefit. No more than two Capital Sm Benefits are payable dring yor lifetime. Social Insrance Sbstitte Rider A monthly benefit that coordinates with payments received nder Social Secrity and some other government programs. This rider is often prchased to redce the total cost of coverage, while helping to assre an adeqate level of disability protection. Prodct provisions and featres may vary by state. Optional riders are available for an additional premim. Please refer to the Appendix for more information regarding prodct terms and conditions. 15

18 Next Steps to Consider Make this Abot Yo and Yor Life Use the Monthly Expense Tool on Page 1 to help identify how mch income protection yo think yo ll need. Next, consider which featres yo want and how mch yo re comfortable spending annally on a disability income policy. Use the space below to write down these and other considerations to discss with yor insrance professional Decide how yo want to pay for yor policy: Level Premim Fixed premim that never increases. Graded Premim Lower initial premim that annally increases according to a pre-determined (yet garanteed) schedle. If this is the payment option yo choose, yo may convert to a Level Premim Payment on any policy anniversary date throgh age

19 Appendix Prodct Information Disability income insrance policy forms 1400, 1500 and 1600 nderwritten and issed by Berkshire Life Insrance Company of America, Pittsfield, MA, a wholly owned stock sbsidiary of The Gardian Life Insrance Company of America, New York, NY. Prodct provisions and featres may vary by state. Definition of Total Disability A different tre own-occpation definition of total disability applies to policies issed in California. Contact yor agent or broker for complete details. Graded Lifetime Indemnity for Total Disability Rider Not available in California. Retirement Protection Pls Disability Benefit Rider Not available in New Jersey. Retirement Protection Pls is not a pension plan or a sbstitte for one. Unemployment Waiver of Premim Rider Not available in Connectict, Minnesota, New York and Tennessee. Cost of Living Adjstment Rider This benefit is not necessarily protection against increases in the cost of living. Catastrophic Disability Benefit Rider Not available in California, Connectict and Texas. Ftre Increase Option Rider Restrictions and limitations apply. A Ftre Increase Option exercised while disabled will not increase the claimant s benefit while continosly disabled from the same, original case. Other in force disability insrance may redce the amont of the Ftre Increase Option available for exercises. Please refer to the policy langage for frther details. Social Insrance Sbstitte Rider If legislated benefits are paid in excess of the Social Insrance Sbstitte Rider benefit amont, no Social Insrance benefit will be paid. In New York and New Jersey only, the Social Insrance sbstitte indemnity is payable only if yo are not receiving any legislated benefits. 17

20 Disability income insrance policy form 1400, 1500 and 1600 nderwritten and issed by Berkshire Life Insrance Company of America, Pittsfield, MA, a wholly owned stock sbsidiary of The Gardian Life Insrance Company of America, New York, NY. Prodct provisions and featres may vary by state. This policy provides disability insrance only. It does not provide basic hospital, basic medical or major medical insrance as defined by the New York State Insrance Department. For policy forms 1400, 1500, or 1600, the expected benefit ratio is 50% (inclding NY 1400). For policy forms 1400-F, 1500-F, or 1600 F, the expected benefit ratio is 60% (NY only). The expected benefit ratio is the portion of ftre premims that the company expects to retrn as benefits, when averaged over all people with these policy forms respectively. For more information abot prodcts and services available from Gardian and its sbsidiaries, contact yor financial representative or visit or website at www. GardianLife.com. Berkshire Life Insrance Company of America 2011 All Rights Reserved The Gardian Life Insrance Company of America 7 Hanover Sqare New York, NY Pb4929BL (07/11)

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