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Group Disability Insurance with Flexible Disability Benefits

Disability insurance benefits

At Guardian, our group disability insurance is as much about successfully returning employees to work as it is about protecting them financially, which can greatly benefit your clients. And make you an even more valued advisor.

 

Our caring case managers and in-house clinicians will work proactively to get employees back to a productive lifestyle, while our Group Short Term Disability (STD) and Group Long Term Disability (LTD) Insurance will pay cash benefits, quickly and accurately, to help compensate for lost income. Your clients will not only be able to protect their workforce, they’ll be able to keep it as intact as possible.

Customizable disability insurance benefits

Because of our flexible plan design, we’re able to look holistically at the needs of a company, its employees, and its industry, making it easier for you to design a tailored program that meets their needs. In addition, our contracts offer a wide range of customizable features for companies large and small, as well as many provisions that give employees considerable opportunity and incentive to return to work.

With our Voluntary STD plans, your clients can give their employees choices over different aspects of your plan, including benefit amounts and combined options for benefit duration & elimination period. Each employee is able to select the right level of income replacement coverage for his or her needs and budget. This enables your clients to meet the varied needs of their entire workforce.

A comprehensive portfolio of solutions 

In addition to a variety of Group STD and LTD Insurance plans, including voluntary plans, our portfolio provides you with another great opportunity: Supplemental Individual Disability Income Insurance. You can seamlessly integrate this individual policy with our Group LTD to provide your clients with more complete income protection for their employees.

Group Short Term Disability
  • Administrative Services Only (ASO)
  • Employer-paid, contributory or voluntary (employee-pay-all)
Group Long Term Disability Employer-paid, contributory or voluntary (employee-pay-all)  
Supplemental Individual Disability Income Insurance Employer-paid, contributory or voluntary (employee-pay-all)  
State Disability Statutory: New York, New Jersey and Hawaii

One of the most trusted names in group disability

Guardian has been a leader in group benefits for more than 65 years. In fact, more employers trust Guardian to protect their employees in the event of a disability than any other carrier. 

 

#1 in total inforce group disability cases STD cases and LTD cases.

 

Deeply committed to claims management excellence

At Guardian, we take great pride in our claims management and hold ourselves to a very high standard for efficiency, accuracy, and customer satisfaction. To give you just one example, we calculate our average turnaround time based on when a claim is initiated versus starting the clock only when we have “all available claim information.”

 

7 days or less to process STD claims

 

We work smarter to keep it simple 

Greater efficiency starts with our simple claims submission process. When employees need to file a claim, there are no forms and no hassles. They simply call or file online. We make the process easier for employers too, with a single, reliable point person to provide information and answers throughout the claims process.

 

A proactive, empathetic approach to claims 

With Guardian, employees not only get excellent service but the empathetic treatment they deserve — all from a highly skilled and seasoned staff that really understands disability and the importance of providing support in an uncertain time.

 

Average Industry Tenure

 

Our staff begins the information-gathering process for claims immediately. Once a claim is filed, we’ll reach out to employees, planholders, and treatment providers within 24-48 hours.

A strong focus on return to work

Bringing in the right resources at the right time is essential to help employees through the complexities of a disability and drive the earliest return-to-work outcomes. In addition to registered nurses, our in-house team includes vocational rehabilitation specialists who can assess employee functionality and transferable skills, place employees in robust rehab programs, and more. As needed, we will also engage:

  • Independent physicians, from a national network, who will consult with us based on the insured’s specific diagnosis.
  • Behavioral health professionals, reflecting our holistic, total-person approach to disability, which encompasses both the physical and mental.
  • Certified ergonomic specialists to oversee workplace accommodations that may help prevent disability and/or its re-occurrence.

Voluntary disability benefits: A smart and cost-effective option 

If the high cost of employer-paid benefits is preventing your clients from enhancing their benefits packages, we can help. Our voluntary plans offer the same great service and disability insurance benefits as our group disability insurance plans. However, they enable your clients to cover employees at affordable group rates while paying little or nothing themselves.

 

Guardian makes it easy for employees to understand the value of these disability benefits by providing an array of educational resources and decision support resources, from on-site meetings to online tools. We also eliminate any hurdles to signing up by offering simple online enrollment and dedicated enrollment support.

 

Traditional voluntary plans, Guardian DI Choice, Voluntary Buy-up plans, Health-coverage packages

 

The enrollment services and customer support your clients need 

At Guardian, we’re there when your clients need us. For example, when it comes to plan enrollment, we can develop a strategy tailored to their company culture and communications approach, providing consultative, individualized guidance to employees as well as multi-channel outreach.

 

From the very start, we will take care of all of their ongoing needs by providing:

  • A dedicated implementation team supported by local account managers
  • Call-in Customer Response Unit offering 800-number assistance
  • Online billing and Automated Clearing House services
  • Claims reimbursement reporting services

Ready to take the next step?

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

Disability & Absence Management Program 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 Videos

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®.

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