As medical benefits are reduced, Dental, Disability, and Life products are becoming more important. Finding ways to enhance these traditional plans and package them with newer plans like Critical Illness is a good starting point as you evaluate your objectives and come up with solutions.
A large dental network, efficient disability claims management, and lump sum payments for critical illnesses appeal to employees, add value to current plans, and help you fill the gaps created by changing medical coverage.
You should also think about programs and services that can solve problems that traditional plans can’t. Voluntary benefits, absence management, Section 125 plans, tax-leveraged benefits, employee assistance programs, and ASO plans are all innovative ways to provide valuable basic services at a reasonable cost.
Contact your Broker for more information on how Guardian can help you manage your employee benefits needs.
|Dental||One of the largest networks and flexible plans have made us a dental market leader that gives employees choice.|
|Disability||Ranked 1st in STD sales and 2nd in LTD, our plans protect employees and get them back to work quickly1.|
|Life||Ranked 3rd in new life sales, our plans help you offer guaranteed life benefits plus value-added features1.|
|Critical Illness||Helps you fill gaps in medical coverage and offer employees protection up to $50,0002.|
|Vision||With access to the largest provider of eye care coverage, our vision plan is a perfect dental plan partner3.|
|Worksite||With higher participation rates than the industry average, our voluntary plans help you provide basic, affordable protection4.|
|Flexplan||Helps employees pay for benefits with pre-tax dollars. Set-up fee waived for eligible groups.|
(for Self-Funded Medical)
|Helps mitigate employers’ financial risk when self-funding a medical plan by providing protection against catastrophic or unpredictable claims.|
|Small Group Sales||Special sales unit dedicated to offering comprehensive benefit plans to employers with 2-15 employees.|
1 LIMRA Year-End Report, 2010.
2 Not available in all states.
3 VSP.com, 2011.
4 Eastbridge Study, 2010