Who is disability insurance for?

If you depend on the income you receive through work to pay your expenses, then you should probably consider disability insurance. It ensures that you can continue to receive partial income in the event that you end up too sick or injured to work.

How does disability insurance work?

Most disability insurance pays you a percentage of your income if you get sick with a serious illness or experience an injury that prevents you from doing your job. Some cover you in the short term immediately after an incident, while others pay you if your injury lasts for an extended period. You can also choose to purchase supplemental disability insurance, which provides extra income on top of your other disability policies.

Why should I consider disability insurance?

Accidents happen, and we can’t always anticipate if or when we’ll be diagnosed with an illness, condition, or injury, which is why it’s important to have a disability policy that will help you pay your bills in the event that you can’t collect your normal paycheck from work.

Being disabled doesn’t mean one is unable.

Meet Dr. Feranmi Okanlami. After suffering an unexpected accident, his disability insurance helped him continue to pursue his dream, while also opening up new avenues for him to find success. Watch his story to find out more.

What are the benefits of disability insurance?

Here are the types of disability insurance we offer

Want some help figuring out the right disability insurance policy for you?

Connect with local financial representatives who can help you figure that out.

Are you an employee? Employees, contact your employer.

Are you an employer? Employers, talk to your broker.

Are you a broker? Offer your clients a disability insurance program.



Council for Disability Awareness, 2018 https://disabilitycanhappen.org/disability-statistic/

Guardian’s Group Long Term and Short Term Disability 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 policy provides disability income insurance only.  It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. Policy Form # GP-1-LTD-15 and Policy Form # GP-1-STD-15.

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.

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

This advertising content is not currently meant for anyone in the state of NM.


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