Group long-term disability insurance
If an employee gets injured or becomes too sick to work, would they be able to cover their living expenses and medical bills? With group long-term disability (LTD insurance), you can provide additional income support to help employees — and their families — maintain the life they've built.
With Guardian group LTD coverage, you can provide innovative and in-demand benefits to stand out among current and prospective employees. Discover the difference with Guardian.
Guardian is the first benefits carrier to embed caregiving support services into our STD and LTD offerings — so your people have the support they may need to handle any task, while also maintaining their own well-being.
Here are just a few examples of what these services help them with:
managing the complex health needs or themself for a loved one
understanding and appealing medical bills
raising and supporting a family
finding summer care or educational resources for children
caring for aging loved ones and navigating end of life
Cancer support services
Cancer cases in the US continue to rise and remain a leading cause of employee LTD leaves. These diagnoses can be difficult to navigate alone. That’s why we’ve partnered with Osara Health to embed cancer support services within our group disability offering. So employees facing cancer can access personalized, empathetic support while focusing on their holistic well-being, tracking their symptoms, and more in a unique 6- to 12-week program.
Peloton App access
To help aid in recovery, employees receiving LTD benefits have 6-month access to Peloton fitness and wellness classes — such as meditation, yoga, and outdoor walking — from a diverse lineup of over 50 world-class instructors.
Uber transportation voucher
Through our partnership with Uber, we offer transportation assistance to doctor visits or rehabilitation treatments for employees with an LTD claim.
Supplemental protection to attract and retain talent
Group individual disability income insurance is a solution to complement your existing group disability offering. Designed to help you provide more financial protection for employees who rely on bonuses and commissions — so they can have peace of mind if they need to be out of work.
Vocational rehab and return-to-work support
To give employees the best chance of returning to work, a claims manager, nurse case manager, and vocational rehabilitation specialist will be assigned to their case when they make a claim.
Together, this team of specialists will help support your employees as they recover and help assess when and if they can return to work. If they can return to work, but will need to change job roles to accommodate physical limitations, this team will also design a program to help them retrain for a new job.
Ready to offer robust disability coverage? Contact your broker or Guardian representative to learn more.
See how we can help you support employees during life's events — big and small
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. 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. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.
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.
Uber is an unaffiliated service provider for the Guardian Life Insurance Company of America and is wholly responsible for the administration of these services. Benefit is available on plans with a contract plan of 2009 or later.
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. Benefit is available on plans with a contract plan of 2009 or later.