We hope you’re staying healthy and safe, and we understand how important it is to stay connected during these uncertain times. We will continuously evaluate our practices and update these frequently asked questions to keep you informed.
You can register for a Guardian Anytime account and sign in any time to see what’s covered, submit a claim, find a provider, and more.
In this secure site, you can:
To register for an account on Guardian Anytime: Find your member ID number. It will be on your ID card, enrollment confirmation, and/or any correspondence you’ve received from us. If you’re not a dental member, use your social security number. You’ll also need your last name and date of birth.
Guardian offers many products and services to help protect employees’ health and financial well-being, as well as manage their absences. At a high level, the benefits that could apply include:
Employee Assistance Program (EAP) Services – Integrated Behavioral Health (IBH), our EAP partner, has materials that provide education and tips about the virus, as well as information that can help you cope with anxiety that can accompany stressful situations.
Under the STD plan, employees may be eligible for benefits if they’re diagnosed with COVID-19 and, as a result, are unable to perform the major duties of their job. Eligibility will be determined based on medical documentation.
Guardian Critical Illness insurance now offers the Infectious Contagious Disease Benefit rider (if included on your plan), which pays 30 percent of the lump sum critical illness benefit to insured employees in the event of a COVID-19 diagnoses that requires hospitalization for five or more consecutive days. This benefit also applies to any future strains of the coronavirus that may cause severe illness and/or hospitalization, as well as any future emergence of a severe health threat caused by a contagious virus.
Yes. If you’re admitted to the hospital for any reason, a benefit may be paid, according to the terms of the contract. All plans pay for an initial hospital admission benefit, and many plans pay for a daily hospital confinement benefit (including Intensive Care Unit). Some plans may include benefits related to doctor office visits, diagnostic tests, prescription drug benefit, and urgent care and emergency room benefit. Please read the details of your policy to see if these benefit options are applicable.
In most cases, Cancer Insurance doesn’t provide benefits for a sickness like COVID-19. However, benefits may be payable if the plan includes an Intensive Care Unit rider. Please read the details of your policy to see if these benefit options are applicable.
Guardian will cover active virus testing and COVID vaccines under our Accident Wellness benefit as a Routine Exam for COVID-19 tests performed on or after 3/1/2020. This benefit is not payable under the Wellness Benefit included with Critical Illness, Hospital Indemnity and Cancer products.
In order to be eligible for FML, you or the family member you’re caring for needs to have medical documentation that certifies the condition meets the definition of a serious health condition.
If you have the quarantine benefit rider with your STD policy and you are unable to work due to quarantine, you may be eligible for benefits under Guardian’s Short Term Disability (STD) Quarantine Benefit Rider. Check your policy details. After the quarantine period, if you’re determined to be disabled due to COVID-19, benefits could be paid for the disability until the maximum period under the plan (excluding any weeks paid for the quarantine period).
The Quarantine Benefit Rider covers employees if they’re placed under a doctor-ordered quarantine and are unable to perform the major duties of their job. The employee must be suspected of carrying or having been exposed to an infectious and contagious disease as determined by the doctor who orders the quarantine. The nature of quarantine and the definition to support it is determined by the Centers for Disease Control and Prevention (CDC) or the U.S. Secretary of Health and Human Services.
The Quarantine Benefit Rider includes a benefit waiting period and maximum duration of 2 weeks. The rider is available on the 2016 contract (DI 16) series for STD and is not available in some states. Refer to your policy.
For fastest processing, we highly recommend you submit your claim online. Our site gives you everything you need to submit your claim electronically, without the need of a printer or mailing us forms.
You can enroll in our Direct Pay program when you submit your claim online. By submitting disability claims online, you can set up your bank account to have disability payments deposited directly.
No, we are not waiving premium payments at this time. However, we are taking into consideration any state directed grace period extensions.
We offer a Guardian teledentistry service for our PPO members. They can access it at www.virtudent.com/guardianteledentistry
Providers and retailers are still fulfilling orders, but their hours should be checked before visiting since many have revised schedules at this time.
If you have VSP and Davis coverages, you have in-network online eyewear options available:
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