Help to close the income protection gap for high-earning employees in key leadership roles, so coverage scales with their compensation, and their financial confidence remains strong enough to keep their talent with you.
85%
That's how many employers say they cannot afford to lose key executives due to business continuity, leadership gaps, and succession risks.¹
Top 10%
As of 2024, even the top 10% of income earners in the US didn’t feel financially confident.²
To learn more about our executive disability offerings, contact your broker or Guardian representative.
When you trust Guardian with employee benefits, we ensure that our disability insurance works in lockstep with each employee’s leave requirements and other Guardian benefits — without a lot of work from the employee, or you.
1 NFP U.S. Executive Compensation and Benefits Trend Report, NFP, 2025
2 Guardian’s 13th Annual Workplace Benefits Study, 2024
Individual disability insurance Policy Form 18GI underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product provisions and availability may vary by state. In New York: This policy provides disability 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. The expected benefit ratio is 60%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy form. Guardian’s Group Long 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 arbitrator of coverage. LTD Policy Forms No. GP-1-LTD07-1.0, et al. and No. GP-1-LTD-15-1.0 et al.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission. ©2026 The Guardian Life Insurance Company of America. All rights reserved.
Employees rely on group disability insurance if they need to take a leave from work. But for your key leaders and crucial decision-makers, group long-term disability insurance may not provide enough financial confidence if they need to be out of work for an extended period. That's where Executive Disability works to complement your existing group long-term disability offering.
Here's an example of how the two work together to offer enhanced financial confidence.
