Group disability insurance
We all know that life happens. A cancer diagnosis, an unfortunate accident, getting a knee replaced — or we decide to bring a baby into the world. Whether sudden or expected, such events often require time away from work. Employees deserve financial confidence that helps give them space to plan, solve, and then journey back to a state of well-being.
We’re prepared to provide powerful group disability and absence benefits that not only help replace income, but also support well-being. This way, we can help employees access optimal support during their absences, and return to work feeling their best— mind, body, and wallet.®
During life's events — big and small — we're at the ready.
Discover the difference with Guardian
Group short-term disability
With Guardian Group Short Term Disability (STD) Insurance, your employees can have more confidence that temporary health-related absences won't derail their financial wellness and overall wellbeing. They can also rely on caregiving support services, return-to-work support, and stand-out optional riders — like expansive paid leave.
Group long-term disability
With Guardian Group Long Term Disability (LTD) Insurance, you can provide additional income support to help employees maintain the life they've built if a serious injury or illness occurs. With caregiving support services and cancer support services, return-to-work support, and even access to benefits from Peloton and Uber with a newly approved claim, your employees can trust you have their back.
Nearly half of all workers who experienced a disability leave in the past 10 years did not have disability insurance and received no paycheck while out of work — and they’re 50% more likely to say their leave had a major or devastating financial impact on their household.¹
Disability insurance and Paid Family and Medical Leave (PFML) plans
Disability insurance can complement PFML plans, which offer a set number of weeks of leave per year. But PFML isn't offered in every state and doesn't replace disability insurance where it is offered. Group STD insurance policies can offer additional services, such as rehabilitation and survivor benefits, and can seamlessly integrate with LTD when needed.
Disability insurance and supplemental health benefits
Guardian's supplemental health benefits are an excellent complement to our disability insurance, working seamlessly with our disability insurance to help support financial well-being during life events that often require time away from work.
Disability insurance and mental wellness benefits
Any disability can present challenges that impact mental and emotional health. Likewise, mental health challenges may also become disabilities themselves if left unaddressed. A dedicated mental wellness solution can provide proactive help, with the personalized care employees need to help manage their disability. So they can feel their best.
Versatile disability insurance options to meet the needs of you and your employees
Whether employees expect it or not, many will need disability insurance during their careers. We offer a wide variety of traditional and voluntary group STD and LTD plans to help meet your company’s unique needs and offer employees more choices for income protection. But when offered as an employee benefit, disability insurance also supports the physical and mental well-being of employees through sickness, injury, and more.
By showing up for your workforce during life’s most significant moments, you can help your employees return to their best possible levels of health and productivity.
To learn more about our group disability offerings, contact your broker or Guardian representative.
1 Insuring Your Income: The role of disability insurance in financial wellness, Guardian 12th Annual Workplace Benefits Study, 2023
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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. Generic Policy Form #s GP-1-LTD-15 and GP-1-STD-15. The state approved form is the governing document.
Wellthy, Inc. (“Wellthy”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Wellthy and Guardian are not affiliated entities. Wellthy provides a care coordinator to integrate separately retained caregiver resources (e.g., senior care, childcare, etc.) for the benefit of a member or their permitted dependents (“services”). Guardian does not control or provide any part of the services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Wellthy reserve the right to discontinue services at any time without notice. Services may not be available in all states.
Osara Health (“Osara”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Osara and Guardian are not affiliated entities. Osara provides a personalized support program through certified health coaches to address cancer management issues for the benefit of a member (“Services”). Services are designed for members 18 years+ of age, diagnosed with cancer, regardless of cancer type, stage, or prognosis. Services are not meant to provide medical advice/care. Medical advice/care should be sought from your independent healthcare provider(s). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Osara reserve the right to discontinue Services at any time without notice. Services may not be available in all states.
Peloton is an unaffiliated service provider for The Guardian Life Insurance Company of America and is wholly responsible for the administration of these services. © Peloton 2012-2024, Peloton Interactive, Inc. All rights reserved. Uber is an unaffiliated service provider for the Guardian Life Insurance Company of America and is wholly responsible for the administration of these services.
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