Retirement ProtectionPlus Program

Protection for Retirement Plan Contributions

A Unique Benefit for Valued Employees

8563-11-092009-11697

Disability insurance Policy Forms 1400 or 1500 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company

of America, New York, NY. Policy provisions and features may vary from state to state.

Retirement Protection Plus is not a pension plan or a substitute for one.

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Your Business, Your People

• You’ve worked hard to build your business and attract the best employees.

• You also work to retain your people, by providing them with a strong package of benefits…

including a retirement plan.

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Retirement Planning

• Saving for retirement is one of the most critical financial issues you and your employees face.

• But to assure an adequate retirement income, you must be able to work and contribute to your plan.

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A Question

If sickness or injury made you unable to work, what would happen to your retirement plan?

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Your Retirement Plan is Vulnerable

• Contributions continue only as long as you remain on the payroll

• Group and individual disability insurance do not cover retirement plan contributions

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What’s the Impact?

Individual age 35 works to age 65 and makes $1,500 monthly contributions to a defined contribution plan.

*Assumes annual rate of return of 8% on retirement contributions with no disbursements taken prior to age 65. This rate is for Illustration purposes only. Actual results may vary.

$0

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

35 40 45 50 55 60 65Age

$2,235,539*

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Retirement Protection Plus

• Helps to protect retirement income in the event of a serious disability

• Pays benefits to replace lost retirement plan contributions

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How It Works

• Funded by an individual disability income policy, or by a special rider attached to a policy

• Can replace 100% of current retirement plan contributions, including employer contribution

• Not a pension plan or a substitute for one

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How It Works

• Benefits are paid directly into a special trust

• Trustee is Berkshire Bank, Pittsfield, MA

• Trust assets are invested by trustee at the disabled employee’s direction

• Trust assets distributed at age 65

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Retirement Protection Plus

• Simple to set up

• May be employer-pay or voluntary

• Employer sponsored discount may be available

• You choose who is eligible

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For a Proposal…

• Employees you wish to include

• A few details on your firm’s retirement plan

• How you wish to have program funded

Retirement ProtectionPlus Program

Protection for Retirement Plan Contributions

A Unique Benefit for Valued Employees