Guardian Disability Insurance for CRNAs

As a Certified Registered Nurse Anesthetist, you have a unique specialty that requires a strong disability insurance policy to protect your income. Guardian offers several advantages to CRNAs not available elsewhere in the industry.

Top 3 Features to Look For as a CRNA

  • True Own Occupation Coverage - As a CRNA, you have a particular skill set that allows you to earn the high income you do. An accident or illness could have a significant impact on your income. If this were to occur, you'd want a disability insurance policy that doesn't reduce your monthly benefit if you have the ability and motivation to do something else. Many disability insurance policies will reduce or eliminate your monthly benefit if you choose to work in another occupation. Guardian does not; the Provider Choice policy is a true own-occupation definition of total disability.
     
  • Partial Disability Benefits - If you can work as a CRNA part-time due to an accident or illness and suffer a loss of income of 15%, this is called a partial disability. It's a common situation, as most disabilities are illnesses that come on slowly and cause you to scale back your hours rather than completely disable you. Some industry plans require you to be totally disabled first. If you have an illness that slowly disables you, you could receive nothing from a plan like this.
     
  • Guaranteed Pricing - Some policies don't guarantee pricing and tend to raise the rates as you age. This is common with policies offered through professional associations. This can cause you to be priced out of a policy when you need it the most. Make sure you buy a policy with the price locked in at the age you buy it and guarantee that it won't increase as you age.

 

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How Certified Registered Nurse Anesthetists Buy Their Disability Insurance

We've worked with hundreds of CRNAs over the years, and in our experience, here are the most popular options your peers include on their policies:

  • 73% chose the 3% COLA Rider
  • 93% chose the Enhanced Partial Disability Benefit Rider
  • 67% chose the Future Increase Option Rider

The Benefit Period is how long a policy pays in the event of a disability. Here are the most common benefit periods chosen by your peers:

  • 40% - to age 65
  • 25% - to age 65 with x45 graded lifetime extension
  • 15% - to age 67
  • 20% - 5 or 10-year benefit period

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.

7182377.1 Exp: 10/30/26