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Guardian Disability Insurance Overview

Group disability insurance

Employers are looking to you for help as they face a growing number of challenges with employee benefits today: How to find a disability insurance plan that helps employees return to work sooner. How to protect the income of all employees, even the highest earners. How to manage all types of absences and comply with ever-increasing regulations.

 

But there is a way to manage it all. And now you can show your clients how with one convenient bundled offering.

 

A solution that’s better for employers and employees

Guardian Disability and Absence Management provides a highly-integrated solution with three complementary offerings to help protect workforces, contain costs, reduce administrative burden, and minimize exposure to liability: Regardless of company size or complexity, our highly knowledgeable professionals can work with you to design a customized Disability and Absence Management program that can fully address your client’s holistic needs.

 

 

Group Disability Insurance Plan: An essential foundation 

As a disability insurance leader, Guardian is committed to providing income protection employees value and need — backed by outstanding claims efficiency, a proactive approach focused on return to work, and 65 years of group benefits experience. Guardian offers a wide range of short term disability (STD) and long term disability (LTD) insurance plans that can serve as the foundation for a robust employee benefits program.

 

 

Supplemental Individual Disability Income Insurance: Added income protection 

A compelling benefit for high earners and key employees, this individually owned policy supplements our Group LTD by covering additional types of income, including bonuses and commissions. We make it easy for employees with simple online enrollment, no medical exams and Guaranteed Standard Issue underwriting, plus seamless payroll deduction just like a group benefit. Employers will be able to better manage their benefit costs because they can reduce the LTD maximum on their group plan, and because rates on individual plans will not change.

 

Absence Management: An end-to-end solution 

Managing absences is a demanding job for even the most sophisticated HR teams. What’s more, if employers mismanage absences, they leave themselves open to costly lawsuits, fines, misuse of leaves, and other issues. Guardian helps reduce the burden and the risk by managing all kinds of leaves, and enhancing compliance with regulations such as the Family and Medical Leave Act. These services are designed to meet the needs of both large and small employers (50 employees and up).

 

 

An integrated, outsourced approach works better

Guardian’s integrated solution brings all facets of disability and absence management together to provide a more seamless and efficient experience for your clients. They’ll benefit from integrated problem-solving and information-sharing, as well as continuity of care for their employees.

 

Here are just a few of the advantages we offer:

  • Integrated management of group short term disability, group long term disability, state and federal Family Medical leaves, and company leaves.
  • Integrated intake of FMLA and STD claims to simplify the claims process for employees.
  • Integration of group STD to group LTD, enabling us to smoothly transition cases when needed.
  • State-of-the-Art Solutions Center in Dallas, TX, where our experienced claims and clinical support teams work closely together to find the best solutions for returning employees to work.
  • Comprehensive, detailed reporting for FMLA and STD, providing employers with the information they need, when they need it.
  • Early intervention and proactive outreach to clinical resources to assist with return to work, coordinated by dedicated, tenured Claims Case Managers.

 

Integrity that employers and employees value

When your clients choose Guardian, they’re choosing a company that takes pride in doing the right thing, and has for over 155 years. From our clear, unambiguous contracts to our proactive return-to-work support, employers and their employees know exactly where they stand with us. Because we’re owned by our policyholders, we focus on serving the long-term interests of our customers, not answering the short-term demands of Wall Street.

 

Financial strength to back up claims2

With Guardian, your clients can also feel confident that we’ll be there when they need us. That’s important because disability claims can carry on for a long period of time. Because of our long history of exemplary financial ratings, they can rest assured that claims will not only be paid, but paid promptly.3

A consultative approach to best meet your needs 

At Guardian, we offer products with highly flexible terms that can be tailored to a client’s specific needs.

 

From Supplemental Disability Insurance that covers even the highest earners to return-to-work services that go above and beyond to help employees get back to a productive life, you can help your clients implement a tightly integrated solution that’s better for their business and better for their employees.

 

Ready to take the next step? 

Learn more about why Guardian is a smart choice for disability and absence management. We can provide any help you need in determining the coverage that best fits your clients.

 

Overview

Group Disability Insurance
Short Term Disability
Long Term Disability
Absence Management System
A Focus on Returning Employees to Work
Flexible Disability Benefits
Loan Payment Protection with Disability
Supplemental Disability Income Insurance

Claims Stories

An Integrated Approach to Disability and Absence Management

See how our state-of-the-art Solutions Center is reshaping disability and leave management.

Watch Our Short Term Disability Management Story

Our team is specialized in helping employees return to work. See how Thomas goes above and beyond for our claimants.

Watch Our Vocational Rehabilitation Story

Our team is specialized in helping employees return to work. See how one Vocational Rehabilitation Specialist goes above and beyond for our claimants.

Watch Our Behavioral Health Story

Our team is specialized in helping employees get the support they need. See how Julie goes above and beyond for our claimants.

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