How do voluntary benefits work?

With the help of your company’s insurance broker, we can create a unique benefits package for your employees. Once you have a benefits plan in place, employees can select the insurance they want. Premiums are deducted from employee paychecks automatically before taxes are paid on their income, helping your business pay less in payroll tax.

What exclusive benefits does Guardian offer?

Not only do we offer comprehensive, highly-customizable voluntary benefits portfolios, we also offer exclusive employee benefits like a College Tuition Benefit Program that helps employees pay for college, innovative online tools, and administrative technologies to help alleviate the administrative burden of managing workplace benefits. 

Why should I consider offering voluntary benefits?

Today’s employees may expect the option to enroll in voluntary benefits plans. Offering these benefits shows your team you’re invested in helping protect them and their families. Not only that, voluntary group insurance is affordable, has minimal participation requirements, and can help you attract talent to stay competitive.

There’s a variety of ways you can offer voluntary benefits

It can seem daunting to find the right benefits package for your organization. That’s why we offer three types of packages: traditional voluntary plans that are 100% employee-paid, voluntary buy-up plans where you, the employer, pay for basic coverage and give your employees the option to ‘buy up’ richer benefits, and multi-coverage packages that bundle together convenience and affordable rates.

What are the benefits of working with Guardian?

Simplify Absence Management with Guardian AbsenceWorks®

Tracking and reporting leaves of absence to comply with FMLA, ADA, and the growing number of state leave regulations is complicated. Not only that, mismanagement can result in lawsuits and fines, which is why many companies outsource absence management. Luckily, we can help.

Guardian AbsenceWorks® makes it possible for even smaller-sized employers to take advantage of high-quality, integrated disability and absence management services. Our range of flexible options – including Americans with Disabilities Act (ADA) support – allow us to customize the best program for your clients’ needs, whether they have 50 employees or more than 5,000.

Find out more about Guardian AbsenceWorks.

We offer the following benefit options

Want some help figuring out the best employee benefits package for your business?

Connect with local insurance brokers who can help you figure that out.

Are you an employee or business?
Employees, contact your employer. 

Are you a broker?
Offer your clients a custom package with us.


Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

The Tuition Rewards program is provided by SAGE CTB, LLC. Guardian does not provide any services related to this program. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. The College Tuition Benefit is not an insurance benefit and may not be available in all states. *College Tuition Benefit is available for Guardian Dental, Vision, Hospital Indemnity, Disability, Life, Critical Illness, Cancer and Accident insurance

Group Insurance coverages are 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.  Plan documents are the final arbiter of coverage.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® 

2019-85739 (9/21)