What is supplemental disability insurance?

If you are like one of the millions of Americans who unexpectedly becomes unable to work each year due to illness or injury, the last thing you want to worry about is how to continue paying your bills without an income.

If you are looking for more protection, you should consider adding extra coverage on top of your long term or individual disability plan. Supplemental disability insurance can be a great add-on for employees and individuals who wish to protect a greater percentage of their income, bonuses or commissions. You may even be able to get a policy through your employer.

Supplemental disability insurance helps cover the difference between what you’ll receive from your current long-term disability policy and what you’d need to maintain your current lifestyle if you’re unable to work due to injury or illness.

Look at your employer’s group disability insurance policy

A good start to protecting your income is disability income insurance provided through – and often paid for by – your employer. Such a policy typically covers 40-60% of pre-disability salary, often up to a set benefits cap.1

Why you may need it?

Nobody thinks it will happen to them, but one in eight workers will be disabled for more than five years.2 Luckily, there are a few ways to protect yourself against the financial effects of becoming too sick or injured to work and earn an income.

While long-term disability insurance can serve as a good foundation for protection, it may not be enough to support you and your family if you became too sick or injured to work – leading to a big gap between income and expenses. Supplemental disability insurance will help cover more of your income.

Get a bigger safety net
Supplemental individual disability income insurance is tailored to your specific compensation and can cover your bonus and other incentives.

Individually-owned policy
It belongs to you, even if you change jobs.

No medical exam required
Applying for this coverage is easy, because there is no medical exam and you just need to answer three simple yes/no questions.

Your coverage and costs remain fixed. 
As long as you make payments on time, your policy can’t be changed or cancelled.

Disability insurance calculator

Figure out how much you may need and what it could cost

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.

Get a long term disability insurance quote
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NAIC 1985 Commissioners Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

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

This website is provided for informational purposes only and should not be considered tax or legal advice.  Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits.  You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances.  The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.

This material is intended for general public use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.