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.

Benefits designed with well-being in mind

  • 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

Child organized sports benefit

This pays an additional benefit (up to 25%) if an employee's dependent child is accidently injured while playing an organized sport. This is especially helpful since almost one-third of all injuries incurred in childhood are sports-related injuries.3

Father holding his daughter's hand after her soccer game
man seated with crutches

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

How does it feel to have accident insurance?

Find out the difference between employees who have accident insurance and employees who don't.

  • Have accident insurance

    56% rate their financial wellness high6 
    52% rate their emotional wellness high7

  • Don’t have accident insurance

    37% rate their financial wellness low8 
    40% rate their emotional wellness low9

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.