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 support from their benefits when facing a cancer diagnosis.
Financial and emotional support for employees facing a cancer diagnosis
Receiving a cancer diagnosis can be one of the scariest days of your employee’s life. 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.
Since 2020, there's been a 9.7% increase in the estimated number of new cancer cases in the US.¹
Critical illness
With critical illness insurance, the payment goes right to the employee. So they can focus more on taking care of themselves and loved ones, and less on finances.
Disability insurance
Guardian is the first carrier to embed cancer support services into our group disability offerings. So employees have wider access to personalized, empathetic support to help them focus on their holistic well-being, track their symptoms, and more.
Dental insurance
With dental features like medically necessary extra cleanings, employees can more easily address dental concerns that may arise from their cancer or cancer treatment. So they can remain confident in their oral health while taking on their diagnosis.
Let's support employee well-being together.
Frequently asked questions
1 American Cancer Society. Cancer Facts & Figures 2025. Atlanta: American Cancer Society; 2025.
2 One wellness benefit per calendar year per covered person if a covered person has a wellness test or procedure performed while coverage is in force. See your plan details for benefit amounts. The gene mutation can increase the risk of certain cancers, including breast cancer.
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, or 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. This is not applicable to those in the state of Arizona.
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 pre-malignant 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.
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.
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.