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Supplemental Disability Income Protection

Keep your life in motion

Make certain the lifestyle you’ve created is properly protected.
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Growing a successful business is never a solitary affair. It takes a team of talented employees all rowing in the same direction to move your company forward. That’s why attracting and retaining the best possible talent is crucial for any growing business.

Our innovative supplemental disability income protection program provides individual disability income insurance tailored to the needs of your business and employees. Through this program, you can offer your employees a more valuable benefits package with greater ease and affordably than you ever thought possible. Our program complements your existing group long-term disability (LTD) coverage to protect more of your employees' income in the event they become disabled.

The benefits of our Supplemental Disability Income Protection Product
For your employees:For your business:
Customizable, affordable income protectionHelps attract, retain and reward key employees
Fully portableAny premiums you pay are tax-deductible as a business expense
Simplified underwriting - no medical exam is requiredTurnkey implementation and employee communications
Tax-free benefits if premiums are paid with after-tax dollars*Flexible, affordable funding options

Flexible funding options

You can choose to fund your program in one of three ways:
100% employee-paid — your employees pay the full premium amount
100% employer-paid — your business pays the full premium amount for any employees you select
Shared cost — you and your employees each pay a portion of the premium cost

Disability insurance Policy Form 1200 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY.

* Neither Guardian, or its subsidiaries, agents or employees provide tax or legal advice.  For more information on your specific situation, please consult your personal legal or tax advisor.