Guardian Increases Limits on Physician Disability Insurance

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As a result of our ongoing market research, the following increases are available immediately:

•        New $17,000 Issue Limits for Medical/Dental Classes 6M-3M and Class 4*
•        Maximum Participation with IDI now $25,000 for Occ. Classes 6M-3M, 6-4*
•        Higher Special Limits for Oral Surgeons, Orthodontists, Dental Specialty School Students, and Medical Residents

Note:  Issue and Participation limit increases are not available in CA.

*Maximum issue and participation limits are reduced when there are Lifetime Benefits either applied for or in force.  See the Underwriting Guidelines section of the Product Manual for details.

For Medical Classes:

•        New $17,000 issue limit for Classes 6M-3M  — Write more base coverage and more FIO!
•        Maximum participation with IDI increased to $25,000

Occupation Class

Issue
Ages

Maximum
Limit

Participation
With IDI

Participation
With Grp.LTD

6M, 5M

18-55 17,000 25,000 25,000
CA Only 18 – 55 16,000 20,000 25,000
56-60 15,000 15,000 15,000
61+ 10,000 10,000 N/A

4M, 3M

18-55 17,000 25,000 25,000
CA Only 18 – 55 16,000 20,000 25,000
56-60 10,000 15,000 15,000
61+ 10,000 10,000 N/A


For Non-Medical Classes:

•        New $17,000 issue limit for Class 4
•        Maximum participation with IDI increased to $25,000 for Classes 6-4

Occupation Class

Issue
Ages

Maximum Limit

Participation With IDI

Participation With Grp. LTD

6, 5

18-55 20,000 25,000 30,000
CA Only 18 – 55 16,000 20,000 25,000
56-60 15,000 15,000 15,000
61+ 10,000 10,000 N/A

4

18-55 17,000 25,000 25,000
CA Only 18 – 55 16,000 20,000 25,000
56-60 15,000 15,000 15,000
61+ 10,000 10,000 N/A


Higher Special Limits For New Professionals:

•        Write More Coverage and More FIO

Program Limit and CAT Rider Amount Future Increase Option Limit RPP Limits Total Amount of Potential Coverage
Orthodontist 7,500 9,500  700 25,200
Oral Surgeon 7,500 9,500 1,000 25,500
Dental Specialty School 4,000 12,000 20,000
Medical Resident (all years) 5,000 12,000 22,000

 

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