Receiving a cancer diagnosis can be one of the scariest days of your employee’s life. In fact, approximately 45% of people diagnosed with cancer in the U.S. are 20 to 64 years old – the traditional working age.1 This problem is real, and we hear the need for support. Offering benefits for preventive screenings, treatment, and recovery can mean everything to your employees when the unexpected occurs.
Shaken by a diagnosis, relieved by the responsive support
When Joseph Percevecz started a new teaching job at 62, he opted into cancer insurance with Guardian due to his family’s history of cancer. Within weeks, he learned he had colorectal cancer. Then his HR manager reminded him that he’d selected supplemental health insurance, so he contacted Guardian.
How you can support employees facing cancer
- Webinar
Critical Connections: Helping employees get the support they need following a cancer diagnosis
Learn about how integrated benefits can streamline a complex process, reducing stress and improving benefits utilization. As well as, how coverages coming together can help to promote better overall well-being for the employee by ensuring they receive the mental, physical, and financial support they need at a critical time.
- Article
Check your benefits
Is your benefits offering incorporating the financial and emotional wellness support your employees may need if they face a cancer diagnosis?
The National Cancer Institute calculated the average cost of medical care and drugs tops $42,000 in the year following a cancer diagnosis.³ Some treatments can exceed $1 million.⁴
The workplace benefits you need to support employees dealing with cancer
Cancer, or the fear of getting cancer, can create uncertainty. Let your employees know they can count on their benefits — from prevention, to treatment, and beyond. Our offerings work together to provide simple, straightforward support through it all:
Disability insurance
After a cancer diagnosis, there may be many reasons why an employee needs to take a disability leave. Disability insurance can help employees protect their income, especially if they need to take a disability leave more than once, for treatment or other reasons related to their cancer diagnosis.
Supplemental health insurance
In addition to cancer insurance, supplemental health coverage like hospital indemnity and critical illness insurance can also provide much-needed financial support as their needs may change, from preventive screenings like mammograms and skin checks to treatment costs, including surgeries.
Mental wellness
Understandably, receiving a cancer diagnosis and enduring the treatment plan needed can impact the emotional wellness of your employee and their immediate family. Access to personalized mental health resources that speak to their experience can make all the difference.
Yes, some carriers provide financial reimbursement for routine health screenings and other well care benefits as part of supplemental health insurance. For example, the wellness benefits of our critical illness insurance provides benefits for completing cancer screenings, such as colonoscopies and mammograms. In addition, there is the option, unique to Guardian, to include coverage for preventive measures taken from having a BRACA 1 or BRACA 2 genetic mutation.5
To help support your employees in their cancer journey you may want to take a fresh look at your current mental wellness offerings. Guardian’s partnership with Spring Health can help empower your employees to feel their best. This confidential and voluntary mental wellness benefit can help support them through their evolving mental and emotional needs.
Managing employee leave is complex. Absence management services and solutions can help you plan, track, and handle employee leaves while complying with federal and state leave laws, even when intermittent leaves are a factor. Here are five best practices for employee leave management to consider.
Yes, some carriers provide financial reimbursement for routine health screenings and other well care benefits as part of supplemental health insurance. For example, the wellness benefits of our critical illness insurance provides benefits for completing cancer screenings, such as colonoscopies and mammograms. In addition, there is the option, unique to Guardian, to include coverage for preventive measures taken from having a BRACA 1 or BRACA 2 genetic mutation.5
To help support your employees in their cancer journey you may want to take a fresh look at your current mental wellness offerings. Guardian’s partnership with Spring Health can help empower your employees to feel their best. This confidential and voluntary mental wellness benefit can help support them through their evolving mental and emotional needs.
Managing employee leave is complex. Absence management services and solutions can help you plan, track, and handle employee leaves while complying with federal and state leave laws, even when intermittent leaves are a factor. Here are five best practices for employee leave management to consider.
1 Impact of Cancer on Employment – Journal of Clinical Oncology, 2020
2 Cancer Facts & Figures 2023, ACS
3 Medical Care Costs Associated with Cancer Survivorship in the United States – AACR, 2020
5 Coverage varies by state. Contact your Guardian representative for additional details
Guardian Disability and Supplemental Health insurance is underwritten 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. Plan documents are the final arbiter of coverage.
Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 60 Madison Avenue, Floor 2, New York, NY 10010. Spring Health is not an insurance benefit. Insured products are offered by The Guardian Life Insurance Company, New York, N.Y. (“Guardian”) which has a financial interest in Spring Health.
Guardian’s Group Cancer 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 is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following the diagnosis of a covered cancer. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-CAN-IC-12, et al; GP-1-LAH-12R. The state approved form is the governing document.
Summary of Plan Limitations and Exclusions
Conditional Underwriting is one medical question as a part of the enrollment form.
In order to be eligible for coverage: Employees must be legally working: (a) in the United States or (b) outside the United States, for a US based employer, in a country or region approved by Guardian.
A pre-existing condition includes any condition for which an employee, in the specified time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs. Please refer to the plan documents for specific time periods. State variations may apply.
This plan will not pay benefits for:
Services or treatment not included in the Schedule of Insurance
Services or treatment provided by a family member
Services or treatment rendered for hospital confinement outside the United States
Any cancer diagnosed solely outside of the United States
Services or treatment provided primarily for cosmetic purposes
Services or treatment for premalignant conditions
Services or treatment for conditions with malignant potential
Services or treatment for non-cancer sicknesses
Cancer caused by, contributed to by, or resulting from: participating in a felony, riot or insurrection; intentionally causing a self-inflicted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country
Cancer arising from war or act of war, even if war is not declared
This advertising content is not currently intended for anyone in the state of AZ, NM, WA, and WY.
1 Impact of Cancer on Employment – Journal of Clinical Oncology, 2020
2 Cancer Facts & Figures 2023, ACS
3 Medical Care Costs Associated with Cancer Survivorship in the United States – AACR, 2020
5 Coverage varies by state. Contact your Guardian representative for additional details
Guardian Disability and Supplemental Health insurance is underwritten 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. Plan documents are the final arbiter of coverage.
Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 60 Madison Avenue, Floor 2, New York, NY 10010. Spring Health is not an insurance benefit. Insured products are offered by The Guardian Life Insurance Company, New York, N.Y. (“Guardian”) which has a financial interest in Spring Health.
Guardian’s Group Cancer 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 is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following the diagnosis of a covered cancer. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-CAN-IC-12, et al; GP-1-LAH-12R. The state approved form is the governing document.
Summary of Plan Limitations and Exclusions
Conditional Underwriting is one medical question as a part of the enrollment form.
In order to be eligible for coverage: Employees must be legally working: (a) in the United States or (b) outside the United States, for a US based employer, in a country or region approved by Guardian.
A pre-existing condition includes any condition for which an employee, in the specified time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs. Please refer to the plan documents for specific time periods. State variations may apply.
This plan will not pay benefits for:
Services or treatment not included in the Schedule of Insurance
Services or treatment provided by a family member
Services or treatment rendered for hospital confinement outside the United States
Any cancer diagnosed solely outside of the United States
Services or treatment provided primarily for cosmetic purposes
Services or treatment for premalignant conditions
Services or treatment for conditions with malignant potential
Services or treatment for non-cancer sicknesses
Cancer caused by, contributed to by, or resulting from: participating in a felony, riot or insurrection; intentionally causing a self-inflicted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country
Cancer arising from war or act of war, even if war is not declared
This advertising content is not currently intended for anyone in the state of AZ, NM, WA, and WY.