Supporting families with Guardian Group Accident Insurance
Provide your employees (and their dependents) with holistic support when an unexpected accident happens, like a trip or fall, which could trip them up physically, financially, and emotionally. Let us help.
Mind
Benefits that extend to dependents help to ease stress and worry for families.
Body
Support for diagnostic exams, emergency room visits, and follow-up treatments for an injury or accident helps place the focus on physical recovery. Not finances.
Wallet
Employees receive a fixed benefit payment directly after an injury from a covered accident. Plus, our child organized sports benefit and Rainy Day Fund can provide added support too.1,2
Rainy Day Fund
This feature helps pay for additional services when members exceed the maximum number of allowable treatments and visits. It is especially helpful since roughly half of US workers say they only have $2,500 saved for a medical emergency and report having difficulty affording health care costs.4,5
Have accident insurance
56% rate their financial wellness high6
52% rate their emotional wellness high7Don’t have accident insurance
37% rate their financial wellness low8
40% rate their emotional wellness low9
Going even further with a health screening benefit
Help employees with a direct benefit payment for completing certain health screenings, tests, or procedures.10
That benefit payment helps motivate employees to go for routine health screenings, such as:
Annual physical
Colonoscopy
Fasting blood glucose test
Mammogram
And more
Benefit payments with less effort
Eliminate the need to file multiple claims when you offer accident insurance and short-term disability insurance, paid family leave, or state-mandated disability insurance with Guardian.
Get proactive seamless service
1 The child must be insured by the plan on the date the accident occurred and must be 18 years of age or younger; proof of registration required at time of claim.
2 The Rainy Day Fund does not apply to benefits without frequency limitations, or wellness claims. Covered benefits include: air ambulance, ambulance, blood/plasma/platelets, chiropractic visits, diagnostic exam (major), doctor follow-up visits, emergency dental work, epidural anesthesia pain management, eye injury, family care, fractures, gunshot wound, hospital confinement, hospital ICU confinement, joint replacement, knee cartilage, lodging, outpatient therapies, rehabilitation unit confinement, ruptured disc with surgical repair, surgery (cranial, open abdominal, thoracic, hernia), surgery (exploratory and arthroscopic), transportation, and x-ray. The Rainy Day Fund total amount can never exceed two times the initial fund amount.
3 Health: Sports Injury Statistics, Johns Hopkins Medicine
4 Benefits Optimization 2023: How supplemental health benefits and omnichannel communications support workforce well-being, 12th Annual Guardian Workplace Benefits Study
5 Americans’ Challenges with Health Care Costs, Kaiser Family Foundation, July 2022
6 The Value of Supplemental Health Insurance: How these benefits are evolving to help support holistic workforce well-being, Guardian’s 13th Annual Workplace Benefits Study, 2024
7 ibid
8 ibid
9 ibid
10 One wellness benefit per calendar year per covered person if a covered person has a covered wellness test or procedure performed while coverage is in force. See your plan details for benefit amounts.
Guardian’s Group Accident 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. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity benefit, for insured injury from a covered accident. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-ACC-18. The state approved form is the governing document.