If your employee is faced with a cancer diagnosis, a coordinated benefits offering from Guardian can provide much-needed emotional and financial support. A simpler benefits experience helps them focus on getting well, so they can return to work feeling their best. With a comprehensive set of employee benefits from Guardian, benefit claims are reviewed and paid as quickly as possible — so your employees can keep taking on life, no matter what it throws at them.
Disability insurance
After a cancer diagnosis, there may be many reasons why an employee needs to use disability insurance. Short-term disability helps employees immediately after an event and can be used more than once in a single year. Plus, it works seamlessly with other leave types like long-term disability and PFML, as well as supplemental health benefits.
Mental wellness benefits
Receiving a cancer diagnosis can impact the emotional wellness of the employee and their eligible dependents. With Guardian and Spring Health, they’ll be able to see a provider in an average of just two days,2 compared to a 48-day national average.3 And they’ll receive 1-on-1 support from a dedicated Care Navigator.
Critical illness insurance
Critical illness insurance can help with expenses that other types of insurance may not cover. Employees are compensated for annual wellness screenings like mammograms. Lump-sum payments are made directly to individuals, not the doctor. Plus, children are covered at no additional cost.
Cancer insurance
Cancer insurance provides fixed payments for diagnosis and treatment that employees can use however they choose and in conjunction with other benefits. This can help employees cover non-medical bills if they’re out of work, travel and lodging for out-of-network treatment, and more.
Hospital indemnity insurance
Employees fighting cancer may require an extended hospital stay. While medical insurance can help with hospital bills, other everyday costs can add up. Hospital indemnity insurance pays your employees after a qualifying hospital stay, helping them cover a variety of expenses incurred while they were out of work.
Life insurance
If a cancer diagnosis is terminal or something else happens, life insurance can help beneficiaries manage expenses in many ways. It can also provide “living benefits” to help individuals live the end of their life to the fullest. Or those without selected beneficiaries can leave money to charitable organizations as part of their legacy.
We process claims in a way that ensures employees going through a challenging event are supported, so they can focus more on recovery and less on finances:
When employees initiate a leave,4 we automatically check for eligibility across all supplemental health coverages for each claim.
We provide a reminder of the employee’s Spring Health mental wellness benefits at the initiation of a short-term disability, supplemental health, or life insurance claim.
The same people and systems are making sure benefit claims are reviewed and paid as quickly as possible.
Help employees take advantage of their benefits at work
While you can’t predict the future, you can help your employees prepare for whatever it may bring. Guardian’s comprehensive benefits help ensure your employees have what they need to feel supported when the unexpected occurs. Guardian works with you to develop an active enrollment strategy to meet your needs and help employees get the most value from their benefits.
Learn more here1 Cancer Facts & Figures 2023, ACS
2 National Council for Mental Well-Being, 2021 https://www.thenationalcouncil.org/wp-content/uploads/2022/02/Transforming-State-Behavioral-Health-Systems.pdf\
3 Certified Community Behavorial Health Clinic Impact Report. National Council for Mental Wellbeing. May 2021. https://www.thenationalcouncil.org/wp-content/uploads/2021/05/052421_CCBHC_ImpactReport_2021.pdf?daf=375ateTbd56
4 This includes STD, paid family leave, or a state-mandated disability plan with Guardian
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 Cancer Facts & Figures 2023, ACS
2 National Council for Mental Well-Being, 2021 https://www.thenationalcouncil.org/wp-content/uploads/2022/02/Transforming-State-Behavioral-Health-Systems.pdf\
3 Certified Community Behavorial Health Clinic Impact Report. National Council for Mental Wellbeing. May 2021. https://www.thenationalcouncil.org/wp-content/uploads/2021/05/052421_CCBHC_ImpactReport_2021.pdf?daf=375ateTbd56
4 This includes STD, paid family leave, or a state-mandated disability plan with Guardian
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.