PLAN FOR THE UNEXPECTED

You and your loved ones will be glad you did

What is Disability Income Insurance?

YOU CAN’T WORK. FORTUNATELY, YOUR COVERAGE WILL.

The most common myth about disability income insurance is that coverage is only used for rare, catastrophic accidents. The fact is, most people rely on the insurance to cover the income they’ve lost due to disabilities caused by conditions such as heart disease and arthritis. Be informed – protect yourself and your business.

Types We Offer

What it is

Benefits

Who it's Best for

Individual Disability Insurance

  • Replaces income if you’re too sick or injured to work.
  • Can supplement long-term disability coverage that you may have through your employer.
  • Replaces a percentage of base salary and regular bonus or incentive income.
  • Can cover retirement contributions and student loan payments.
  • When you pay for this individual coverage with after-tax dollars, any benefit payments you receive are tax free.
  • Your policy belongs to you even if you change jobs.
  • You or your family relies on your income.
  • You are a high-earning individual who needs more income protection than the coverage offered by your employer.
  • You don’t have any disability insurance through work. 

Small Business Protection

  • As a small business owner, different types of disability insurance can help protect your business if you can’t work as a result of an injury or illness.  
  • Provides several options to help your business continue meeting its daily expenses – including employees’ salaries.
  • Offers funding to buy out a partner who can’t work due to illness or injury.
  • Continues payment of business loans.
  • You’re a small business owner who wants to be certain your business can keep running if you become unable to work due to illness or injury.

Basic Disability Offered by Employer

  • Replaces baseline income if you’re too ill or injured to work.
  • Provides a good foundation for income protection – typically safeguards from 40% to 60% of your base salary after taxes.
  • Your employer provides this coverage. Basic coverage protects about half of your income.

Supplemental Individual Disability Income Insurance

  • Extra coverage that your employer can offer on top of the base long-term disability insurance they may already offer you.
  • Can help you protect more of your base salary as well as different types of income like bonuses and incentive compensation.  
  • You own the policy, even if you change jobs.
  • No medical exam is required, making it an easy option.
  • Your employer offers this coverage and you want to safeguard more of your income.
  • Most of your income is derived from bonus or commissions.

LIFE THROWS THINGS YOUR WAY YOU DIDN’T PLAN ON

Every day, people are required to face the unexpected. If you can’t work because of an illness or injury, disability income insurance helps replace a portion of your income. It lets you focus on your recovery instead of worrying about your finances.

More About Individual Disability Insurance

IF YOU GOT SICK OR INJURED, HOW HEALTHY WOULD YOUR BUSINESS STAY?

You probably think about your business 24/7. Have you stopped to consider what might happen to it if you had a serious illness or injury that prevented you from working? Guardian has products that will protect your business during your absence in any number of ways, from your company’s cash flow to your personal income. 

More About Small Business Protection

SURE, YOU’RE COVERED FOR DISABILITY. BUT IS IT ENOUGH?

Chances are the basic disability benefits offered through your employer might cover 60% of your income at best. The rest would come out of your pocket. Supplemental disability insurance is comprehensive, covering you where other plans may leave off. An accident or illness does not necessarily have to be a financial catastrophe.

More About Supplemental Disability Insurance

Resources and Information

INCOME CAN BE PROTECTED. AND SHOULD BE.

While the term disability income insurance may not sound relevant to you, the more you find out about it, the more you’ll recognize it is. 

Watch Video

WHAT SHOULD YOU LOOK FOR WHEN CHOOSING DISABILITY INSURANCE?

Here are six questions you need to consider.

View Presentation

BIG STUDENT LOANS = BIG WORRIES. WE CAN LESSEN SOME OF THEM.

Watch this video to learn about an affordable way to protect up to $2,000/month in student loan payments.

Watch Video

IS YOUR INCOME PROPERLY PROTECTED?

How to make sure the life you’ve created would be secure if you weren’t able to work.

Watch Video

COVERED FOR LIFE’S RAINY DAYS?

Insurance is about keeping your life on track and making progress, no matter what occurs. Find out why a few common misconceptions about disability income insurance leave people unprepared.

Learn more about protection

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, or provided by Guardian.  Product provisions and availability may vary by state. Optional riders are available for an additional premium.

This website is provided for informational purposes only and should not be considered tax or legal advice.  Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits.  You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances.  The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.

The chart above provides a general description of different types of disability insurance commonly sold today. The description of these products and features is not specific to products issued or administered by The Guardian Life Insurance of America through its subsidiary Berkshire Life Insurance Company of America. Consult with your insurance advisor concerning the underwriting requirements and product features of any policy you are considering purchasing.