1 May Wong, Stanford research provides a snapshot of a new working-from-home economy, Stanford News, June 29, 2020

2 https://www.linkedin.com/pulse/reopened-offices-empty-desks-why-49-us-stick-remote-hybrid-anders/?trackingId=0lF0eM%2FhQeiE6n4LObEYDA%3D%3D

The State of Colorado with the Division of Family and Medical Leave is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Colorado workers is currently scheduled to commence on January 1, 2024. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Colorado Paid Family and Medical Leave plan (CO PFML) will comply with CO PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

The State of Oregon Employment Department is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Oregon workers is currently scheduled to commence on September 3, 2023. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Oregon Paid Family and Medical Leave plan (OR PFML) will comply with OR PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

Guardian Group Short and Long Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Generic Policy Form #s GP-1-STD-15; GP-1-LTD-15.  The state approved form is the governing document.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

1 May Wong, Stanford research provides a snapshot of a new working-from-home economy, Stanford News, June 29, 2020

2 https://www.linkedin.com/pulse/reopened-offices-empty-desks-why-49-us-stick-remote-hybrid-anders/?trackingId=0lF0eM%2FhQeiE6n4LObEYDA%3D%3D

The State of Colorado with the Division of Family and Medical Leave is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Colorado workers is currently scheduled to commence on January 1, 2024. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Colorado Paid Family and Medical Leave plan (CO PFML) will comply with CO PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs. If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

The State of Oregon Employment Department is currently developing its PFML regulations, including specifics on how its program will be implemented. Leave and wage replacement benefits available to eligible Oregon workers is currently scheduled to commence on September 3, 2023. All terms of coverage, including benefits, eligibility, coverage limitations and exclusions under Guardian’s Oregon Paid Family and Medical Leave plan (OR PFML) will comply with OR PFML law and regulation. Any optional riders and/or features which may be available may incur additional costs If there is a discrepancy between this document and the Certificate/Group Policy issued by The Guardian Life Insurance Company of America, the Group Policy will govern.

Guardian Group Short and Long Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Generic Policy Form #s GP-1-STD-15; GP-1-LTD-15.  The state approved form is the governing document.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.