Berkshire has now merged with Guardian...and now offers the only true 100%
own occ policies for dentists. Others, like Northwestern Mutual come close,
but aren't quite as good. If I can't practice dentistry, but can get another
job, my policy will pay 100% of my agreed upon policy...no matter how much
income I draw in the new job. Most companies did away with these true 100%
own occ policies because of the high level of abuse by the insured. When
HMO's cut physician's pay in half (or less), many physicians filed
disabilities for everything from chronic fatigue to peripheral
neuropathy...'cause they could earn twice as much by being disabled.


"Harry Krause" wrote in message
...
NOYB wrote:
Is it an own-occ policy?


"Harry Krause" wrote in message
news:c3dhc2g=.e923335f2445dfd8ad0b943d25f9475f@107 0575913.cotse.net...
NOYB wrote:

"Harry Krause" wrote in message

news:c3dhc2g=.7137d24bc0c32b167f6e9eb8977e34c2@107 0562212.cotse.net...
NOYB wrote:

Are you providing full health insurance and retirement plan
benefits...or
are you emulating Wal-Mart?



"Harry Krause" wrote in message

I'm doing my part to ease unemployment. I'm hiring another
writer for
my
staff. Will be putting the ad on MONSTER.COM and in the Wash
Post.


We have first-class benefits, including a top-of-the-line health
insurance plan,

BC/BS PPO.


a non-contributory defined-benefit pension plan, a 401k,

Simple IRA

and a life insurance policy equal to annual salary.

Same

We contribute a
share of profits to the 401k on behalf of the employee.

That's compulsory to most plans.

Our employees
pay $4.50 for generic prescriptions and $8.00 for non-generics,

$10 and $15

but
that's going up next year to $10 and $15. New employees get two
weeks
vacation the first year

1 week

and that goes to three weeks the third year.

2 weeks year 2, 3 weeks year three

In
addition, we have 12 paid holidays and we shut down from noon on
Christmas eve to the day after New Year's Day.

5 paid holidays

We also provide 20 days
of paid sick leave a year.

Paid? Every year? I call "bull****". With 3 weeks vacation, 12 paid
holidays, and 20 paid sick days that's 47 *paid* days off every year.
Are
they hourly employees? For a "small business", that's the road to
bankruptcy.

Boy...and you had me going there for a minute.


Oh, I forgot. We also provide everyone with LTD.

The company provides an insurance plan that pays 50% of an employe's
salary for Long Term Disability. Employes have the option of
purchasing
an additional 16.66%, bringing their total to 66.66%. The basic
benefit
maximum is $4,000 per month. With the buy up, the limit is increased
to
$10,000 per month.



It is indeed, and is underwritten by Berkshire Life. If, for example,
you're a writer or a graphics artist and something happens to your eyes
or hands or whatever, and you can't write or "draw," but can work at
something else, you still draw the full disability, up to 50% or 66.66%.



Email sent to is never read.