Own-occupation covers disability.

The Guardian Life Insurance Company of America now offers through its subsidiary, Berkshire Life Insurance Company of America, a catastrophic disability benefit rider to its ProVider Plus individual disability income policy, which provides own-occupation coverage for total disability. Catastrophic disability is triggered by an event that prevents the insured from performing two or more activities of daily living, causes cognitive impairment or an irrecoverable disability. Also available is a residual disability rider, which covers a partial disability limiting, but not eliminating, the insured's ability to work and results in decreased income.