Guardian

Frankel & Newfield has represented many claimants with their Guardian Life disability claims when their claims have been denied or terminated. We also assist policy owners who are preparing to file a claim to assist them with the claims process, working closely with their physicians, employers, insurance agents and/or financial advisors to ensure that their claim is properly prepared.

Guardian Life Insurance Company is a mutual life insurance company that merged with Berkshire Life Insurance Company in 2001 to increase its share of the disability income insurance market. Today, The Guardian Life Insurance Company of America is a major player in the area of premium disability insurance products, which includes Group LTD policies (which are generally covered under ERISA) and private individual disability insurance.

Don't confuse Guardian Disability Insurance with Berkshire Hathaway GUARD Insurance Companies. They are two separate and distinct entities.

Guardian is known for offering a graded premium structure so that policy owners can select the level of coverage that suits their needs. When you see this option by disability companies selling to mid-market policy owners, it is a way to minimize costs for employees who purchase disability insurance as part of their employee benefits plan. For Guardian policy owners, the graded premium structure works for ultra-high income earners who may be insuring a lifestyle that depends upon a six-figure monthly income.

In the Individual disability insurance market, Guardian offers a comprehensive series of products including two well known ones, Provider Plus and the Provider Plus Limited. Provider Plus Limited is a less expensive policy than the Provider Plus, but offers the terms and provisions of a quality policy.

Both policies offer own occupation provisions, if the policy owner has limited their occupation solely to the performance of the material duties of their specific profession. Language specific to own occupation is a feature of this disability insurance policy, which is rare among disability insurance policies. The policies are also non-cancellable and guaranteed renewable to age 65 or 67, as long as premiums are paid on time. They are portable, which means that they can be taken with the owner if they change employers.

Another feature with a difference is the Residual Benefit Rider available on certain policies. If the policy owner suffers a loss of 15% or more of your income, Guardian will provide a benefit. Most disability insurance companies pay only at a 20% loss of income. This could be a significant feature to consider.

Guardian Life Insurance Company offers the Rolls Royce of disability insurance. However, just because you drive a Rolls doesn't mean that you will never have a flat tire. if you are about to file a claim, or if your Guardian disability claim has been denied or terminated, call our office today at 877-LTD-CLAIM (877-583-2524) to learn how we can help you.