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Supplemental Disability Insurance to Enhance Group LTD

Disability Income Insurance

Our Supplemental Disability Insurance provides a seamless, cost-effective way for employers to offer a more attractive benefits package, particularly for their key people.

Designed to supplement our Group Long Term Disability (LTD) Insurance, this individually owned coverage allows employees to obtain a higher level of income protection. Clients can offer it as a voluntary benefit to keep costs down, as an employer-paid benefit, or a combination of both.

Which companies need it?

  • Professional groups (legal, accounting, engineering)
  • Services firms (advertising, marketing, financial)
  • Technology (computer, high-tech, energy)
  • Biotech and pharmaceutical
  • Manufacturing

Why is disability income insurance so important?

Group LTD can leave a company’s higher earners underinsured. That means these employees won’t be fully protected from the effect that a disabling injury or illness could have on their income-earning ability. This gap in coverage is due to several factors:

  • Benefit caps. Group LTD typically limits benefits to 60% of an employee’s income before taxes, up to $10,000 per month (or $120,000 per year).

         With a 60% benefit cap, employees earning over $200,000 will have uncovered compensation (60% of $200,000 = $120,000 annual benefit limit).

  • No coverage for certain income types. For example, Group LTD may not cover bonuses.
  • Taxes. LTD benefits may be taxable at the time of a claim, significantly reducing the actual benefits received.

A cost-effective way to provide maximum coverage 

With Guardian Supplemental Individual Disability Income Insurance, your clients can offer continuity of income protection to their employees — without increasing their Group LTD cap. Employees will receive a policy that covers more income and more types of income, increasing their satisfaction with benefits.


What’s more, this benefit never decreases, it can’t be offset by benefits received elsewhere, and the premium cost will never increase unless the employee buys more coverage. In short, employees receive a highly affordable benefit that would be cost-prohibitive for them to get on their own.

Coverage for more types of income

  • Bonuses
  • Incentives
  • Commissions
  • Retirement contributions

A better experience for employers and employees

Since Supplemental Disability Insurance is an individual product offered in the group market, we’ve worked hard to ensure that it’s easy for employees to enroll, and easy for you to manage. Let’s take a look at some of the ways we’ve simplified the process.


Complete ePolicy Delivery

From enrollment to application to billing, you can deliver a seamless individual benefit to your clients’ employees online.

  • Customizable online enrollment. We can develop a strategy to align with an employer’s benefit culture, demographics, or recent organizational changes, not to mention their preferred methods for communicating benefits to employees. We place a strong emphasis on personalized education, using easy-to-understand language and online tools. Employees receive helpful guidance to complete enrollment.
  • Easy application. With Guaranteed Standard Issue underwriting, coverage is issued with the completion of 3 simple yes/no questions and no medical exam. By comparison, full underwriting could take weeks.
  • Seamless billing. With automatic payroll deduction, our individual insurance looks and feels like a group benefit even though it’s not.


The flexibility that employees want

Our coverage gives employees a highly desirable benefit that they can keep (and increase) even if they join another company. Because employees own this coverage, we provide them with maximum flexibility in choosing and managing it, including:

  • Tiered plan options. Employees can choose from three distinct tiers with plan designs and optional riders to meet their income protection needs.
  • Buy-ups. Employees can purchase additional income protection coverage by moving up to a higher-tier plan during a subsequent enrollment.
  • Renewal options. Our coverage is non-cancellable and guaranteed renewable. An automatic annual renewal option ensures that an employee’s benefit grows along with income.
  • Portable. Plus there is an enhanced portability increase option on all policies.

Choose Guardian for both LTD and individual income insurance 

Supplementing Guardian Group LTD coverage with Guardian Supplemental Individual Disability Income Insurance provides a number of significant advantages:

  • One-stop shopping for both LTD and individual income protection
  • Tailored coverage that takes a holistic view of a company and addresses group needs down to the individual employee level
  • Return to work support through our Group LTD claims, clinical resources and vocational resources
  • More predictable benefit costs since individual rates are guaranteed
  • Reduced Group LTD costs by lowering Group LTD maximum
  • Rates that may be more favorable at renewal — since individual policy claims don’t count toward group claims experience

Ready to take the next step?

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


Group Disability Insurance
Short Term Disability
Voluntary Guardian Disability Income Select
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

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