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Group Disability Insurance

Group disability insurance

How can you find disability insurance that will help employees get back to work sooner? How can you protect the income of all employees, even your highest earners? How can you manage all types of absences and comply with ever-increasing regulations?

 

Without a doubt, the challenges you face today are greater than ever. But there is a way to manage it all.

A solution that’s better for employers and employees

Guardian Disability and Absence Management gives you a highly-integrated solution with three complementary offerings to help protect your workforce, contain costs, reduce your administrative burden, and minimize exposure to liability:

 

 

Regardless of your company’s 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 organization’s holistic needs.

 

Group Disability Insurance: 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) solutions 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. As an employer, you’ll be able to better manage your benefit costs because you can reduce the LTD maximum on your 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 you mismanage absences, you leave yourself 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 help 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 you and your employees. You’ll benefit from integrated problem-solving and information-sharing, as well as continuity of care for your 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 you choose Guardian, you’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, you and your employees will know exactly where you 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, you and your employees can also feel confident that we’ll be there when you 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, you can rest assured that claims will not only be paid, but paid promptly.

A consultative approach to best meet your needs

At Guardian, we offer products with highly flexible terms that can be tailored to your company’s specific needs. From income protection that covers even your highest earners to return-to-work services that go above and beyond to help employees get back to a productive life, you’ll be able to implement a tightly integrated solution that’s better for you and better for your employees.

 

Contact your broker today

Learn more about why Guardian is a smart choice for disability and absence management. We’ll be glad to work with you and your broker to determine the best coverage for your company’s needs.

Overview

Group Disability Insurance
Short Term Disability (STD)
Long Term Disability (LTD)
Employee Absence Management
Returning Employees to Work
Loan Payment Option on Disability Plans
Supplemental Individual Disability Income Insurance
Disability Insurance Benefits

Claims Stories

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.

Watch Our Nurse Case Manager Story

Our skilled professionals treat your employees with trust and compassion. See how Allison goes above and beyond for our claimants.

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