With Guardian's Group Short Term Disability (STD) Insurance, you can count on efficient claims management that helps drive better outcomes for both you and your employees.

Guardian handles each and every claim professionally and compassionately, which can help get your employees back to work sooner and may save you money. We offer a range of flexible short term disability insurance products at competitive rates to help provide just the solution you need.

What is short term disability insurance?

When employees are unable to work due to an illness or injury, short term disability insurance will pay a portion of their salary temporarily which, can help cover everyday expenses and help  ease the financial strain. Some plans, like Guardian's, provide many services to help employees return to their jobs.

More employers choose Guardian to help manage their short term disability claims than any other carrier.

What gives us an edge?

For starters, our experience, integrity, and financial stability. For over 155 years, we’ve been committed to doing the right thing for companies and their employees. And we possess the financial stability - as evidenced by our exemplary financial ratings1 - to pay claims quickly.

Financial stability you can count on

Moody's Investors Service


A.M.Best Company


Standard & Poor's

Very Strong


Very Strong


out of 100


The claims speed and accuracy you want

Once STD claims are submitted to Guardian, they’re processed within 7 days or less from the time we receive them - with 99% accuracy. Routine claims, for example, hernia, appendicitis and other procedures that usually result in absences of 6 weeks or less, are handled separately for even quicker resolution.2,3,4

  • 7 days or less to process STD claims2
  • 4 days to process routine STD claims3
  • 99% financial accuracy4

Conveniently, your employees will be able to submit claims paperless, either online or over the phone through our TeleGuard service. Physician outreach will be made within just 2 business days.5

More helpful customer service

At Guardian, we aren’t just more efficient, we have a more human touch, too.

  • Employees receive an empathetic claims review and guidance from our tenured team, including nurses and vocational rehabilitation professionals.
  • Their questions are answered promptly regarding claims or billing by highly trained representatives.
  • You’ll get outstanding service, too - with one dedicated Claims Case Manager to provide information and answers on all STD claims.

Experience Matters



Trusted guidance during a difficult time

We understand that disabled employees want to lead a productive life, and you want to improve productivity and reduce absences. Guardian’s team will work closely with your employees to fully understand their specific circumstances and needs, make accommodations, and proactively engage external resources as needed. Our specialized team is compassionate about helping employees thrive and get back to work sooner.  

Our success stories speak for themselves:

Watch our STD management story

Helping prevent STD from becoming LTD

From day one, we evaluate short term disability claims for their potential to become long term disability claims and work proactively with employees to help minimize their absences. If STD does transition into LTD, only one claim submission is needed and the nurse reviewing the STD case can make recommendations for follow-up in LTD, helping to provide continuity in case management.

Integrated intake of STD and FMLA 

With our comprehensive Disability and Absence Management solution, you’ll have access to our extensive absence management services, featuring integrated intake of STD and Family Medical Leave Act (FMLA) claims. These services can help ease your administrative workload while reducing your risk of liability due to non-compliance with leave laws.

Flexible plan designs with all the support you need

Guardian offers a wide variety of customizable STD plan designs, including voluntary plans, to help you manage risk, control costs, and provide an added layer of financial protection to help meet the needs of your employees.

With our Voluntary Guardian Disability Income SelectTM plans, as an employer you can give your employees choices over different aspects of your plan, including benefit amounts and combined options for benefit duration & elimination period. Each employee is able to select the right level of income replacement coverage for his or her needs and budget to help meet the varied needs of your entire workforce.

Our contracts use clear and unambiguous language around definitions, eligibility, and exclusions, and include built-in features that encourage return to work.

We also offer a variety of plan options6 that can help you further maximize and customize coverage, including industry-specific options for Physicians and Educational Groups.

In addition, we provide all the support you need, from employee enrollment to ongoing account management.

Are you planning to self-fund your STD plan?

If you are, our administrative services only (ASO) offering provides a variety of flexible plan, billing and tax reporting options, with funding arrangements (such as direct billing). But we don’t just manage your claims efficiently. We can also drive cost savings by helping your employees get back to work sooner, just like we do for our fully insured customers.

Contact your broker today

Learn more about why Guardian is a smart choice for short term disability insurance. We’ll be glad to work with you and your broker to determine the coverage to help meet your company’s needs.



Ratings as of 12/2019 and are subject to change. Source: Vital Signs and Third Party Rating Agencies. The ratings earned by Guardian do not apply to the investments issued by GIAC or distributed through PAS. Comdex is not a rating, but a composite of all ratings that a company has received from the major rating agencies (A.M. Best, Standard & Poor's, Moody's, and Fitch). Comdex percentile ranks the companies, on a scale of 1 to 100 (with 100 being the best).


Pay will be issued next payroll, including retroactive if applicable. Based on 2019 average turnaround time with Guardian’s STD Claims Department. 


Routine, low-complexity STD claims (duration of 6 weeks or less) include conditions/diagnoses such as pregnancy, gall bladder, hernia, hysterectomy, appendicitis. Approximately 30% of STD claims fall into this category as based on 2019 claims.


Based on Guardian’s STD claims closed during 2019.


After receipt of employee eligibility verification from employer. 


Options may not be available in all states at this time.

Guardian’s Group Short Term Disability and Long Term Disability Insurance are 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. STD Policy Forms #GP-1-STD07-1.0, et al. and #GP-1-STD-15-1.0 et al.; LTD Policy Forms #GP-1-LTD07-1.0, et al. and #GP-1-LTD-15-1.0 et al.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Supplemental Individual Disability Income Insurance 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, New York, NY. Product provisions and features may vary from state to state. Optional riders are available for additional premium. Policy Form #18GI. While it is a wholly owned stock subsidiary of Guardian, Berkshire Life is also a stand-alone insurance company domiciled in Massachusetts. As such, it functions as an independent financial entity, responsible for its own claims and other liabilities. Financial Information as of December 31, 2018, on a statutory basis: Admitted Assets = $3.9 Billion; Liabilities = $3.7 Billion (including $0.8 Billion in Reserves); and Capital and Surplus = $0.2 Billion.