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Long Term Disability Insurance to Protect Your Workforce

Disability insurance benefits

25% odds of being disabled for 3 months or more during working career

As you can see, the chances of an employee being disabled for a lengthy period, and needing long term disability (LTD) insurance, are a lot greater than you might think. What’s more, an extended absence can have a major impact on an employee’s ability to earn an income, pay a mortgage, or support a family. Not to mention your ability to run your business. That’s why Guardian Group Long Term Disability Insurance is so important.

 

What is long term disability insurance?

If you’re wondering, “What is long term disability insurance?,” it’s employer group coverage that can help protect your employees’ income if they’re unable to work due to a prolonged illness or injury. It goes into effect after an employee has been out of work for a specified period — typically several months.

 

Guardian: A leader in group long term disability benefits

Guardian has been providing group disability insurance for more than 65 years. In fact, we're one of the top insurance carriers employers choose to manage their LTD claims.2 

We’re #1 in LTD cases2

For over 155 years, we’ve been committed to doing the right thing. Because we’re owned by our policyholders, we put customers first — not stockholders. Guardian also has a long history of financial strength and stability, with exemplary financial ratings.3  So you and your employees can feel confident that long term disability claims — which can last for many years — will always be paid promptly.

We work smarter to keep claims management simple

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

 

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 why, if you have both Guardian Short Term Disability and Long Term Disability, we’ll work with you from day one to help ensure that STD claims don’t become LTD claims. If a claim does transition, the same nurse case 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. Our success stories speak for themselves:

  • 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 you and your employee 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 you 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 LTD benefit to cover vocational-related expenses. And we offer innovative options4 such as loan payment protection to ease the burden on your employees.

 

A cost-effective way to provide maximum coverage 

If you have higher-earning employees, you may find that group long term disability insurance leaves 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, you can offer additional income protection to key employees — providing a valuable recruitment and retention benefit — without increasing your Group LTD cap.

Contact your broker today

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

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

Our team is specialized in managing FMLA. See how Amber goes above and beyond for our claimants.

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.

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