Disability insurance Policy Forms 1400 or 1500 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. This publication is provided as a courtesy by Berkshire Life Insurance Company of America and does not modify the provisions of any policy. It is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor. Product provisions and features may vary from state to state.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 www.GuardianLife.com Pub4260BL (04/10) 2010-03512
THIS IS THe BeST TIMe To
ProTeCT Your FuTure eArNINGS
DIsAbILITy InCome
InsurAnCe for
new ProfessIonALs
® ®FIrST-YeAr ProFeSSIoNALS
• General Practice Physicians • Medical Specialists • Surgeons • Dentists • Dental Specialists • Architect • Attorney • Computer Scientist • CPA • Degreed Engineer • MBA Professional • Nurse Practitioner—Certified • Optometrist • Pharmacist • PhD Psychologist
• Physician Assistant (PA.) Certified • Podiatrist
• Veterinarian
reSIDeNTS & FeLLowS
• Fellow
• Medical Resident • Podiatrist • Dental Resident • Dental Specialty School
(following dental residency)
STuDeNTS -
Sr./FINAL YeAr • Medical • Dental • Accounting • Architect • Computer Science • Engineering • Law School • MBA Program • Optometry• Pharmacy (Final 2 Yrs) • Podiatry
• Veterinary
If you are a student, resident, or in your first year of practice in any of the following fields, call your licensed insurance representative today and take the next step in securing your financial future.
* This publication does not constitute tax or legal advice. For information on your specific situation, contact your personal legal or tax advisor.
** restrictions and limitations apply. The amount of additional coverage available will be financially underwritten based on the amount of disability insurance you have or are eligible to receive, as well as your income at the time you apply. *** retirement Protection Plus is not a pension plan or a
substitute for one.
† optional riders are available for an additional premium.
Help cover your retirement contributions
– even if you haven’t started saving yet.
***The retirement Protection Plus program provides disability income insurance to help replace retirement plan contributions made by you and your employer in the event you become disabled. The goal is to provide you with close to what you could have expected from your retirement plan if you had not become disabled. Coverage is available by rider, or as a separate policy.
work with your insurance professional to
structure coverage to meet your needs.
Together, you should determine:
• When your benefits begin • Length of the benefit period • Premium payment options
There are advantages of obtaining this
insurance now:
• You can lock in at a low rate. The cost of protection increases with age.
• You can leverage your good health. Your eligibility for disability insurance, and your ability to obtain it on the most favorable terms, depends on your health.
• Qualifying occupations receive a basic monthly benefit with no income verification. You may also apply for a higher amount of coverage above the limits provided by this program. • Benefits are tax free, since you pay for
the coverage.*
• You can protect your future. If you save 10% of your income, one year of disability can wipe out 10 years of savings.
A ProVider Plus policy from Guardian
offers solid protection.
ProVider Plus offers comprehensive disability income protection for first-year professionals, as well as medical residents and students in select career fields. The ProVider Plus policy offers built-in features including true “own-occupation” coverage, which considers you totally disabled if you are unable to perform the duties of your occupation.
Coverage without proof of earnings.
we offer competitive monthly benefit payments for a full range of specialty occupations. under the company’s Special Limits for New Professionals Program, should you become disabled and be eligible for benefits, your monthly benefit would be based on the earnings potential of your specialized field. You do not need to provide proof of earnings.
Your eArNING
Power IS Your
MOST VALuABLE ASSET
Your ability to earn an income is your most valuable asset and the foundation of any financial strategy. As a professional at the beginning of your career, you may already be thinking about future goals – owning a home, traveling, raising a family and accumulating assets.
Your income makes these things possible. It pays the basic expenses of daily living and enables you to build wealth for the future. Consider this: a 30-year-old earning $75,000 a year will earn $4.5 million by age 65, assuming only 3% annual increases. Doesn’t it make sense to protect that income?
What if illness or injury made it impossible for you to work?
• How would you pay off your student loans? • How long would any savings last?
• What is your Plan B: Move back in with your parents? Live off credit cards? Try to survive on Social Security (if you are even eligible yet)?
• With no job, could you even borrow? • After recovery, how long would it take to
get back on track?
Unfortunately, your future earnings and lifestyle are at risk if you cannot work as the result of a disability – and disability from an accident or illness is much more common than you think.
Coverage that is non-cancellable
and guaranteed renewable.
As long as the premiums are paid, the policy won’t be cancelled, and it’s guaranteed renewable to age 65 (or age 67 with a To Age 67 Benefit period).
Compare ProVider Plus coverage to
competitive or employer-provided/
association coverage.
If you’re a medical resident, make sure any policy you are considering is non-cancellable and guaranteed renewable – you may find that coverage offered by other insurers or professional associations do not include the level of protection found in ProVider Plus.
optional riders provide additional protection:
†Cover future earnings increases
without evidence of good health.
**As your career grows, so will your earnings. we offer you the ability to protect the growth in your earnings with a Future Increase option rider. This rider enables you to purchase additional coverage without providing further evidence of good health.
Plan for catastrophic loss in the
event of severe disability.
In the event your disability is severe and you are unable to perform two or more activities of daily living, we offer a Catastrophic Disability Benefit rider that protects you over and above the monthly disability benefit. Severe losses can be costly and this coverage helps to defray regular expenditures that are associated with disability.
That’s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you’ll ever make. However, disability insurance benefits are typically based on earnings, and many new professionals lack the earnings history necessary to qualify.
Guardian makes it possible for new
professionals to obtain important disability
income coverage
For eligible occupations, our program for New Professionals provides a monthly benefit based on the earnings you expect early in your career – without proof of income. You can also cover retirement contributions – even if you haven’t started your retirement account.
Disability - caused by a car accident, a serious illness like cancer, heart attack, or back injury – is a very real possibility.
90% Illness 10% Injury
Source: 2008 Council for Disability Awareness, Long-Term Disability Claims review, % of new claims.
Now we offer high coverage limits and provide coverage for more specialty occupations!
There are advantages of obtaining this
insurance now:
• You can lock in at a low rate. The cost of protection increases with age.
• You can leverage your good health. Your eligibility for disability insurance, and your ability to obtain it on the most favorable terms, depends on your health.
• Qualifying occupations receive a basic monthly benefit with no income verification. You may also apply for a higher amount of coverage above the limits provided by this program. • Benefits are tax free, since you pay for
the coverage.*
• You can protect your future. If you save 10% of your income, one year of disability can wipe out 10 years of savings.
A ProVider Plus policy from Guardian
offers solid protection.
ProVider Plus offers comprehensive disability income protection for first-year professionals, as well as medical residents and students in select career fields. The ProVider Plus policy offers built-in features including true “own-occupation” coverage, which considers you totally disabled if you are unable to perform the duties of your occupation.
Coverage without proof of earnings.
we offer competitive monthly benefit payments for a full range of specialty occupations. under the company’s Special Limits for New Professionals Program, should you become disabled and be eligible for benefits, your monthly benefit would be based on the earnings potential of your specialized field. You do not need to provide proof of earnings.
Your eArNING
Power IS Your
MOST VALuABLE ASSET
Your ability to earn an income is your most valuable asset and the foundation of any financial strategy. As a professional at the beginning of your career, you may already be thinking about future goals – owning a home, traveling, raising a family and accumulating assets.
Your income makes these things possible. It pays the basic expenses of daily living and enables you to build wealth for the future. Consider this: a 30-year-old earning $75,000 a year will earn $4.5 million by age 65, assuming only 3% annual increases. Doesn’t it make sense to protect that income?
What if illness or injury made it impossible for you to work?
• How would you pay off your student loans? • How long would any savings last?
• What is your Plan B: Move back in with your parents? Live off credit cards? Try to survive on Social Security (if you are even eligible yet)?
• With no job, could you even borrow? • After recovery, how long would it take to
get back on track?
Unfortunately, your future earnings and lifestyle are at risk if you cannot work as the result of a disability – and disability from an accident or illness is much more common than you think.
Coverage that is non-cancellable
and guaranteed renewable.
As long as the premiums are paid, the policy won’t be cancelled, and it’s guaranteed renewable to age 65 (or age 67 with a To Age 67 Benefit period).
Compare ProVider Plus coverage to
competitive or employer-provided/
association coverage.
If you’re a medical resident, make sure any policy you are considering is non-cancellable and guaranteed renewable – you may find that coverage offered by other insurers or professional associations do not include the level of protection found in ProVider Plus.
optional riders provide additional protection:
†Cover future earnings increases
without evidence of good health.
**As your career grows, so will your earnings. we offer you the ability to protect the growth in your earnings with a Future Increase option rider. This rider enables you to purchase additional coverage without providing further evidence of good health.
Plan for catastrophic loss in the
event of severe disability.
In the event your disability is severe and you are unable to perform two or more activities of daily living, we offer a Catastrophic Disability Benefit rider that protects you over and above the monthly disability benefit. Severe losses can be costly and this coverage helps to defray regular expenditures that are associated with disability.
That’s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you’ll ever make. However, disability insurance benefits are typically based on earnings, and many new professionals lack the earnings history necessary to qualify.
Guardian makes it possible for new
professionals to obtain important disability
income coverage
For eligible occupations, our program for New Professionals provides a monthly benefit based on the earnings you expect early in your career – without proof of income. You can also cover retirement contributions – even if you haven’t started your retirement account.
Disability - caused by a car accident, a serious illness like cancer, heart attack, or back injury – is a very real possibility.
90% Illness 10% Injury
Source: 2008 Council for Disability Awareness, Long-Term Disability Claims review, % of new claims.
Now we offer high coverage limits and provide coverage for more specialty occupations!
There are advantages of obtaining this
insurance now:
• You can lock in at a low rate. The cost of protection increases with age.
• You can leverage your good health. Your eligibility for disability insurance, and your ability to obtain it on the most favorable terms, depends on your health.
• Qualifying occupations receive a basic monthly benefit with no income verification. You may also apply for a higher amount of coverage above the limits provided by this program. • Benefits are tax free, since you pay for
the coverage.*
• You can protect your future. If you save 10% of your income, one year of disability can wipe out 10 years of savings.
A ProVider Plus policy from Guardian
offers solid protection.
ProVider Plus offers comprehensive disability income protection for first-year professionals, as well as medical residents and students in select career fields. The ProVider Plus policy offers built-in features including true “own-occupation” coverage, which considers you totally disabled if you are unable to perform the duties of your occupation.
Coverage without proof of earnings.
we offer competitive monthly benefit payments for a full range of specialty occupations. under the company’s Special Limits for New Professionals Program, should you become disabled and be eligible for benefits, your monthly benefit would be based on the earnings potential of your specialized field. You do not need to provide proof of earnings.
Your eArNING
Power IS Your
MOST VALuABLE ASSET
Your ability to earn an income is your most valuable asset and the foundation of any financial strategy. As a professional at the beginning of your career, you may already be thinking about future goals – owning a home, traveling, raising a family and accumulating assets.
Your income makes these things possible. It pays the basic expenses of daily living and enables you to build wealth for the future. Consider this: a 30-year-old earning $75,000 a year will earn $4.5 million by age 65, assuming only 3% annual increases. Doesn’t it make sense to protect that income?
What if illness or injury made it impossible for you to work?
• How would you pay off your student loans? • How long would any savings last?
• What is your Plan B: Move back in with your parents? Live off credit cards? Try to survive on Social Security (if you are even eligible yet)?
• With no job, could you even borrow? • After recovery, how long would it take to
get back on track?
Unfortunately, your future earnings and lifestyle are at risk if you cannot work as the result of a disability – and disability from an accident or illness is much more common than you think.
Coverage that is non-cancellable
and guaranteed renewable.
As long as the premiums are paid, the policy won’t be cancelled, and it’s guaranteed renewable to age 65 (or age 67 with a To Age 67 Benefit period).
Compare ProVider Plus coverage to
competitive or employer-provided/
association coverage.
If you’re a medical resident, make sure any policy you are considering is non-cancellable and guaranteed renewable – you may find that coverage offered by other insurers or professional associations do not include the level of protection found in ProVider Plus.
optional riders provide additional protection:
†Cover future earnings increases
without evidence of good health.
**As your career grows, so will your earnings. we offer you the ability to protect the growth in your earnings with a Future Increase option rider. This rider enables you to purchase additional coverage without providing further evidence of good health.
Plan for catastrophic loss in the
event of severe disability.
In the event your disability is severe and you are unable to perform two or more activities of daily living, we offer a Catastrophic Disability Benefit rider that protects you over and above the monthly disability benefit. Severe losses can be costly and this coverage helps to defray regular expenditures that are associated with disability.
That’s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you’ll ever make. However, disability insurance benefits are typically based on earnings, and many new professionals lack the earnings history necessary to qualify.
Guardian makes it possible for new
professionals to obtain important disability
income coverage
For eligible occupations, our program for New Professionals provides a monthly benefit based on the earnings you expect early in your career – without proof of income. You can also cover retirement contributions – even if you haven’t started your retirement account.
Disability - caused by a car accident, a serious illness like cancer, heart attack, or back injury – is a very real possibility.
90% Illness 10% Injury
Source: 2008 Council for Disability Awareness, Long-Term Disability Claims review, % of new claims.
Now we offer high coverage limits and provide coverage for more specialty occupations!
There are advantages of obtaining this
insurance now:
• You can lock in at a low rate. The cost of protection increases with age.
• You can leverage your good health. Your eligibility for disability insurance, and your ability to obtain it on the most favorable terms, depends on your health.
• Qualifying occupations receive a basic monthly benefit with no income verification. You may also apply for a higher amount of coverage above the limits provided by this program. • Benefits are tax free, since you pay for
the coverage.*
• You can protect your future. If you save 10% of your income, one year of disability can wipe out 10 years of savings.
A ProVider Plus policy from Guardian
offers solid protection.
ProVider Plus offers comprehensive disability income protection for first-year professionals, as well as medical residents and students in select career fields. The ProVider Plus policy offers built-in features including true “own-occupation” coverage, which considers you totally disabled if you are unable to perform the duties of your occupation.
Coverage without proof of earnings.
we offer competitive monthly benefit payments for a full range of specialty occupations. under the company’s Special Limits for New Professionals Program, should you become disabled and be eligible for benefits, your monthly benefit would be based on the earnings potential of your specialized field. You do not need to provide proof of earnings.
Your eArNING
Power IS Your
MOST VALuABLE ASSET
Your ability to earn an income is your most valuable asset and the foundation of any financial strategy. As a professional at the beginning of your career, you may already be thinking about future goals – owning a home, traveling, raising a family and accumulating assets.
Your income makes these things possible. It pays the basic expenses of daily living and enables you to build wealth for the future. Consider this: a 30-year-old earning $75,000 a year will earn $4.5 million by age 65, assuming only 3% annual increases. Doesn’t it make sense to protect that income?
What if illness or injury made it impossible for you to work?
• How would you pay off your student loans? • How long would any savings last?
• What is your Plan B: Move back in with your parents? Live off credit cards? Try to survive on Social Security (if you are even eligible yet)?
• With no job, could you even borrow? • After recovery, how long would it take to
get back on track?
Unfortunately, your future earnings and lifestyle are at risk if you cannot work as the result of a disability – and disability from an accident or illness is much more common than you think.
Coverage that is non-cancellable
and guaranteed renewable.
As long as the premiums are paid, the policy won’t be cancelled, and it’s guaranteed renewable to age 65 (or age 67 with a To Age 67 Benefit period).
Compare ProVider Plus coverage to
competitive or employer-provided/
association coverage.
If you’re a medical resident, make sure any policy you are considering is non-cancellable and guaranteed renewable – you may find that coverage offered by other insurers or professional associations do not include the level of protection found in ProVider Plus.
optional riders provide additional protection:
†Cover future earnings increases
without evidence of good health.
**As your career grows, so will your earnings. we offer you the ability to protect the growth in your earnings with a Future Increase option rider. This rider enables you to purchase additional coverage without providing further evidence of good health.
Plan for catastrophic loss in the
event of severe disability.
In the event your disability is severe and you are unable to perform two or more activities of daily living, we offer a Catastrophic Disability Benefit rider that protects you over and above the monthly disability benefit. Severe losses can be costly and this coverage helps to defray regular expenditures that are associated with disability.
That’s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you’ll ever make. However, disability insurance benefits are typically based on earnings, and many new professionals lack the earnings history necessary to qualify.
Guardian makes it possible for new
professionals to obtain important disability
income coverage
For eligible occupations, our program for New Professionals provides a monthly benefit based on the earnings you expect early in your career – without proof of income. You can also cover retirement contributions – even if you haven’t started your retirement account.
Disability - caused by a car accident, a serious illness like cancer, heart attack, or back injury – is a very real possibility.
90% Illness 10% Injury
Source: 2008 Council for Disability Awareness, Long-Term Disability Claims review, % of new claims.
Now we offer high coverage limits and provide coverage for more specialty occupations!
Disability insurance Policy Forms 1400 or 1500 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. This publication is provided as a courtesy by Berkshire Life Insurance Company of America and does not modify the provisions of any policy. It is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor. Product provisions and features may vary from state to state.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 www.GuardianLife.com Pub4260BL (04/10) 2010-03512
THIS IS THe BeST TIMe To
ProTeCT Your FuTure eArNINGS
DIsAbILITy InCome
InsurAnCe for
new ProfessIonALs
® ®FIrST-YeAr ProFeSSIoNALS
• General Practice Physicians • Medical Specialists • Surgeons • Dentists • Dental Specialists • Architect • Attorney • Computer Scientist • CPA • Degreed Engineer • MBA Professional • Nurse Practitioner—Certified • Optometrist • Pharmacist • PhD Psychologist
• Physician Assistant (PA.) Certified • Podiatrist
• Veterinarian
reSIDeNTS & FeLLowS
• Fellow
• Medical Resident • Podiatrist • Dental Resident • Dental Specialty School
(following dental residency)
STuDeNTS -
Sr./FINAL YeAr • Medical • Dental • Accounting • Architect • Computer Science • Engineering • Law School • MBA Program • Optometry• Pharmacy (Final 2 Yrs) • Podiatry
• Veterinary
If you are a student, resident, or in your first year of practice in any of the following fields, call your licensed insurance representative today and take the next step in securing your financial future.
* This publication does not constitute tax or legal advice. For information on your specific situation, contact your personal legal or tax advisor.
** restrictions and limitations apply. The amount of additional coverage available will be financially underwritten based on the amount of disability insurance you have or are eligible to receive, as well as your income at the time you apply. *** retirement Protection Plus is not a pension plan or a
substitute for one.
† optional riders are available for an additional premium.
Help cover your retirement contributions
– even if you haven’t started saving yet.
***The retirement Protection Plus program provides disability income insurance to help replace retirement plan contributions made by you and your employer in the event you become disabled. The goal is to provide you with close to what you could have expected from your retirement plan if you had not become disabled. Coverage is available by rider, or as a separate policy.
work with your insurance professional to
structure coverage to meet your needs.
Together, you should determine:
• When your benefits begin • Length of the benefit period • Premium payment options
Disability insurance Policy Forms 1400 or 1500 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. This publication is provided as a courtesy by Berkshire Life Insurance Company of America and does not modify the provisions of any policy. It is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor. Product provisions and features may vary from state to state.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 www.GuardianLife.com Pub4260BL (04/10) 2010-03512
THIS IS THe BeST TIMe To
ProTeCT Your FuTure eArNINGS
DIsAbILITy InCome
InsurAnCe for
new ProfessIonALs
® ®FIrST-YeAr ProFeSSIoNALS
• General Practice Physicians • Medical Specialists • Surgeons • Dentists • Dental Specialists • Architect • Attorney • Computer Scientist • CPA • Degreed Engineer • MBA Professional • Nurse Practitioner—Certified • Optometrist • Pharmacist • PhD Psychologist
• Physician Assistant (PA.) Certified • Podiatrist
• Veterinarian
reSIDeNTS & FeLLowS
• Fellow
• Medical Resident • Podiatrist • Dental Resident • Dental Specialty School
(following dental residency)
STuDeNTS -
Sr./FINAL YeAr • Medical • Dental • Accounting • Architect • Computer Science • Engineering • Law School • MBA Program • Optometry• Pharmacy (Final 2 Yrs) • Podiatry
• Veterinary
If you are a student, resident, or in your first year of practice in any of the following fields, call your licensed insurance representative today and take the next step in securing your financial future.
* This publication does not constitute tax or legal advice. For information on your specific situation, contact your personal legal or tax advisor.
** restrictions and limitations apply. The amount of additional coverage available will be financially underwritten based on the amount of disability insurance you have or are eligible to receive, as well as your income at the time you apply. *** retirement Protection Plus is not a pension plan or a
substitute for one.
† optional riders are available for an additional premium.
Help cover your retirement contributions
– even if you haven’t started saving yet.
***The retirement Protection Plus program provides disability income insurance to help replace retirement plan contributions made by you and your employer in the event you become disabled. The goal is to provide you with close to what you could have expected from your retirement plan if you had not become disabled. Coverage is available by rider, or as a separate policy.
work with your insurance professional to
structure coverage to meet your needs.
Together, you should determine:
• When your benefits begin • Length of the benefit period • Premium payment options
Disability insurance Policy Forms 1400 or 1500 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. This publication is provided as a courtesy by Berkshire Life Insurance Company of America and does not modify the provisions of any policy. It is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor. Product provisions and features may vary from state to state.
The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 www.GuardianLife.com Pub4260BL (04/10) 2010-03512
THIS IS THe BeST TIMe To
ProTeCT Your FuTure eArNINGS
DIsAbILITy InCome
InsurAnCe for
new ProfessIonALs
® ®FIrST-YeAr ProFeSSIoNALS
• General Practice Physicians • Medical Specialists • Surgeons • Dentists • Dental Specialists • Architect • Attorney • Computer Scientist • CPA • Degreed Engineer • MBA Professional • Nurse Practitioner—Certified • Optometrist • Pharmacist • PhD Psychologist
• Physician Assistant (PA.) Certified • Podiatrist
• Veterinarian
reSIDeNTS & FeLLowS
• Fellow
• Medical Resident • Podiatrist • Dental Resident • Dental Specialty School
(following dental residency)
STuDeNTS -
Sr./FINAL YeAr • Medical • Dental • Accounting • Architect • Computer Science • Engineering • Law School • MBA Program • Optometry• Pharmacy (Final 2 Yrs) • Podiatry
• Veterinary
If you are a student, resident, or in your first year of practice in any of the following fields, call your licensed insurance representative today and take the next step in securing your financial future.
* This publication does not constitute tax or legal advice. For information on your specific situation, contact your personal legal or tax advisor.
** restrictions and limitations apply. The amount of additional coverage available will be financially underwritten based on the amount of disability insurance you have or are eligible to receive, as well as your income at the time you apply. *** retirement Protection Plus is not a pension plan or a
substitute for one.
† optional riders are available for an additional premium.
Help cover your retirement contributions
– even if you haven’t started saving yet.
***The retirement Protection Plus program provides disability income insurance to help replace retirement plan contributions made by you and your employer in the event you become disabled. The goal is to provide you with close to what you could have expected from your retirement plan if you had not become disabled. Coverage is available by rider, or as a separate policy.
work with your insurance professional to
structure coverage to meet your needs.
Together, you should determine:
• When your benefits begin • Length of the benefit period • Premium payment options
