Executive disability versus group long-term disability: A guide for HR
Learn how they differ — and can work together — to help ensure adequate coverage for your key people
Last updated October 12, 2026
Reviewed by
Learn how they differ — and can work together — to help ensure adequate coverage for your key people
Last updated October 12, 2026
Reviewed by
1 Disability Statistics, The Council for Disability Income Awareness (CDIA), 2026
2 Integrated Benefits Institute, Health and Productivity Benchmarking 2024, Long-Term Disability, All Employers, as cited in Disability Statistics, The Council for Disability Income Awareness (CDIA), 2026
3 Annual Statistical Report on the Social Security Disability Insurance Program, 2024, Social Security Administration, released October 2025
4 Mind, Body, and Wallet® 2026, Guardian’s 15th Annual Workplace Benefits Study, Guardian, April 2026
* This benefit is not necessarily protection against increases in the cost of living.
** Optional riders are available for an additional premium.
*** Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are financial information as well as all disability insurance in force, for which you’ve applied or are eligible to receive.
**** “Financial advisor” is used generally to describe insurance and investment sales and advisory professionals, who may hold varied licensing as insurance agents, registered representatives of broker-dealers, or investment advisory representatives of registered investment advisors. Only representatives who use “advisor” in their title, or who otherwise disclose their status and meet the required licensing or registration requirements, provide investment advisory services.
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.
