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Long Term Disability Benefits for Workforce Protection

Disability insurance benefits

You and your clients both know the importance of taking good care of employees, and providing them with valuable long term disability (LTD) benefits. After all, an extended absence can have a major impact on an individual’s ability to earn an income, pay a mortgage, or support a family. Not to mention the company’s ability to run efficiently.

Guardian Group Long Term Disability Insurance has an extremely strong claims record and return-to-work focus to mitigate the effects of a long-term disability. That’s critical for your clients, especially when you consider just how great the odds are of an LTD event occurring, and just how long it can last.

 

Guardian: A leader in group long term disability benefits

Guardian has been providing group disability insurance for more than 65 years. In fact, more employers choose Guardian to manage their LTD claims than any other carrier.2

What gives us an edge?

For starters, our experience, integrity, and financial stability. For over 155 years, we’ve been committed to doing the right thing for companies and their employees. And we possess the financial stability, as evidenced by our exemplary financial ratings2 to pay claims quickly.

We work smarter to keep claims management simple

With Guardian, your clients can count on efficient service and support from a highly skilled staff with extensive industry experience. They’ll benefit from our:

An ounce of prevention 

At Guardian, we know that time is of the essence with disability. The longer an employee is out of work, the more difficult it can be for him or her to transition back into the workforce.

 

That’s one reason it makes sense for your clients to have both Guardian Short Term Disability and Long Term Disability. From day one we’ll work with them to help ensure that STD claims don’t become LTD claims. If a claim does transition, the same case nurse manager will follow it from STD to LTD to provide continuity of care.

 

Ensuring the best possible return-to-work scenarios

To give employees the best chance of resuming employment, we ensure they receive the attention, vocational rehabilitation, and outplacement services they need. We can:

  • Review possible work barriers resulting from a disability.
  • Explore what jobs a claimant might be good at and help create specific job goals, including a future road map to ensure successful employment.
  • Communicate and coordinate with employers and employees to facilitate a smooth transition back into the workforce.
  • Initiate retraining, rehabilitation, and assistance that lead to new skills and opportunities.
  • Perform onsite work evaluations to assess job abilities, skills, possible accommodations, and alternative opportunities within the company.

Our success stories speak for themselves:

Watch Feranmi's Story

 

Flexible plan designs, flexible contract terms

At Guardian, we offer a wide variety of customizable LTD plan designs — including voluntary plans — to help your clients manage risk, control costs and meet the financial protection needs of your employees.

 

Our contracts support a return-to-work philosophy, with built-in features to motivate and encourage employees, such as no set number of interruption/trial work days. Plus, if an employee is engaged in an approved rehabilitation plan, we’ll pay up to a 10% enhancement to the monthly long term disability benefit to cover vocational-related expenses. And, we offer innovative options4 such as loan payment protection to ease the burden on employees.

 

A cost-effective way to provide maximum coverage 

If your clients have higher-earning employees, you know that group long term disability insurance benefits may leave some of their income uncovered. Through our integrated Disability and Absence Management solution, we provide a seamless, cost-effective way to address this gap: Guardian Supplemental Individual Disability Income Insurance. With this individual policy, your clients can offer additional income protection to key employees — providing a valuable recruitment and retention benefit — without increasing their Group LTD cap.

Ready to take the next step?

Learn more about why Guardian is a smart choice for long term disability insurance. 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

Decision Health Award Team

Guardian Recognized for Outstanding Return to Work Support

Recently, Guardian received the Platinum Award for Outstanding Performance in Workers Compensation/Disability Programs from DecisionHealth®.

Watch Amber Verrett’s story

Watch Our Leave Manager Story

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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.

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