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Group Disability


Life and Disability Explorer

Employees can discover their financial protection needs by answering 4 simple questions.
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Supplemental Disability

Enhance your disability coverage with Guardian supplemental disability.
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Disability Insurance protects people’s most valuable asset – maintaining financial stability when they are unable to work.

Employers want to ensure productivity and profitability while making certain their employees are in good hands.

Guardian has been protecting against financial hardship brought on by disability for over 40 years. We’re ranked #1 in new overall STD and LTD cases1.
Experience and ExpertiseOur highly skilled claims staff has high tenure and very low turnover When it comes to disability claims, that kind of continuity and stability is critical.
We're ProactiveSTD claims are paid in 1 week or less, starting from the day we received a claim. Once a claim is filed, we know what questions to ask and how to get information from doctors quickly, with much less strain on employees. Plus, employees can count on us for fast and accurate claims decisions and payments.
One Claims Benefit AnalystWe dedicate a single, reliable point person to provide information and answers on all disability claims.
Strong Clinical ResourcesStrategic engagement of internal and external resources, including a National Network of Independent specialists, help drive the earliest return-to-work outcomes.
TeleGuard Call CenterWhen employees need to file an STD claim, they simply call our in-house call center. One call. No forms. No hassles. Employee STD durations can be shortened by nearly 7% just by using TeleGuard2.

These services have resulted in a 95% overall customer short- and long-term claim satisfaction3. For more information on Guardian Group Disability, call your broker or Guardian Group Representative.

1 Limra Year-End Report, 2012. Based on number of Group STD and LTD sales, excludes reserve buy-outs.
2 Guardian’s STD claims, 2010. 
3 Guardian Market Research, 2010