Question
Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?
Answer
Chris, thank you for asking this important question. Without actually seeing the exact policies that you are reviewing, I am not able to provide an accurate opinion as to the difference in the language. The disability companies constantly offer new products with different language and I really need to see the definitions in order to answer your question. As a general answer I always tell people to buy as much coverage as you can possibly afford. I have represented numerous residents that unfortunately had a disability claim when they never thought they would. The other thing is that you Group coverage will only continue as long as you continue to work for your employer or the organization you bought it from continues to renew the contract. A group organization does not need to renew the policy whereas a private policy is guaranteed to be renewed each year. I know you finances are tight now, but they hopefully won’t be in the near future and you will really appreciate the piece of mind of having the highest possible coverage you are eligible for.
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Q: Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?
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