Our firm has handled and currently represents numerous claimants seeking disability benefits with Berkshire Life Insurance Company. In our opinion, Berkshire is one of the most highly respected and trustworthy disability insurance companies. The majority of our Berkshire disability claim clients are business professionals, doctors, dentists and lawyers. Most Berkshire disability policies contain an “own occupation” definition of total disability as well as a “residual disability” provision.
The older Berkshire policies contained a complicated residual disability definition which requires a 6 month averaging of income while a disabled claimant continues to work in a limited capacity. The Berkshire policies issued in the past few years contain a traditional residual disability definition which pays a percentage of the monthly benefit that is proportionate to the claimant’s loss of pre-disability income. The Berkshire policies usually define “total disability” as the inability to perform the material duties of your occupation.
What Are The Pros And Cons Of Being A Berkshire Life Disability Insurance Policy Holder?
Berkshire is one of the few long term disability insurance companies that actually wants to make the right decision on a claim. They don’t always get it right but they will give more effort and attention to your claim than any other disability company.
Our law firm’s opinions about Berkshire come from our experience of representing numerous Berkshire claimants from the initial application for benefits through the filing of a lawsuit. Contact us for assistance at any stage of your claim for benefits with Berkshire.
There are Pro and Cons that a claimant must be aware of when seeking disability benefits from Berkshire.
The Pros are that Berkshire will give a claimant the benefit of the doubt when evaluating a claim. Most companies will cease any opportunity to deny a claim, but Berkshire does not behave this way. They will be very detailed in their request for information and they will give a claimant every opportunity to support their claim for disability.
Another pro is that the disability claim examiner assigned to your case will be well educated and have multiple years of experience in handling disability claims.
Berkshire will always give a claimant a reasonable time period to provide whatever information is requested.
The Cons are that if you present a sloppy or incomplete claim to Berkshire, then you significantly reduce your chances of receiving benefits. If you are not organized with your business and financial records then you may not be able to comply with Berkshire’s request for information.
For example, if you are a physician or dentist and you cannot provide monthly production data (CPT or ADA Code reports) to support your pre-disability activities, then Berkshire will challenge your material duties. Berkshire and their medical team will scrutinize your medical records, therefore it is important that your treating physicians understand how to document your restrictions and limitations.
Berkshire Claim Resources And Information
Berkshire Life Insurance Company is a subsidiary of The Guardian Life Insurance Company of America.
We welcome you to watch our Berkshire / Guardian disability videos, read some of our Berkshire resolved case summaries below, and review information about Berkshire lawsuits and court opinions throughout the country.
We also invite you to post comments, complaints, or general questions about a Berkshire disability claim which our lawyers will respond to.
If your claim was denied or you are considering filing for benefits, then you should contact us privately for a free consultation.