What Is A Disability? Who Defines Disability?
Total disability as defined in Guardian’s ProVider Plus policy means that because of sickness or injury you are unable to perform the material and substantial duties (described as “major duties” in California) of your occupation. Your occupation means the regular occupation (or occupations if you have more than one) in which you are engaged at the time you become disabled. This policy states you will be totally disabled even if you are at work in some other capacity, so long as you are not able to work in your occupation. ProVider Plus takes true own occupation a step further in protecting professional specialties: If your occupation is limited to a single medical specialty certified by the American Board of Medical Specialties or a single dental specialty recognized by the American Dental Association we will consider that specialty to be your occupation. ProVider Plus disability income insurance Policy Forms 0100, 1100, or 2100 underwritten and issued by Berkshire Life Insurance Compa
