Today's employees are doing their best to maintain their overall well-being. And their workplace benefits play a major role in their ability to thrive, especially as other factors, like uncertainty about the economy, may be increasing their financial anxiety.
While 95% of employers believe they have a responsibility to support employees’ financial well-being, only 36% of employees say they feel completely financially stable.¹
The mind, body, and wallet® are all interconnected, but finances impact overall well-being more than physical or emotional health. The right benefits package can help give employees comprehensive support that provides financial protection across benefits.
Adults who use their preventive dental benefits spend 3X less on costlier procedures compared to those who don't.²
Annual out-of-pocket costs for dental care can add up. That’s why we're helping employees better control these costs with features like Diminishing Deductible® and Early Smiles®.
We have an extended nationwide network of over 138,000³ specialists, including pediatric care providers. So most dental visits can be made in-network for an average savings of 42%.⁴
Income is essential to a household's financial confidence. When offered as an employee benefit, disability insurance can help support employees through sickness, injury, and more.
You can provide paid family leave to employees across the US to bond with a child after birth or adoption, care for a sick family member, and more. Helping them to feel more financially secure in life’s planned or unplanned events.
You can waive the benefit waiting period so employees receive benefits from day one of childbirth — providing up to two more weeks of short-term disability benefit payments.
Did you know that for most Americans, the life insurance they get through work is the only life insurance they own? It's more than just a policy — it's crucial financial protection for them and their loved ones.
Our Life Assist℠ benefit provides your employees with extra financial protection should they suddenly suffer a severe or catastrophic disability.
During an unexpected medical event or accident, the last thing your employees need is the stress of making difficult financial choices. With supplemental health insurance, the benefit payment goes directly to them and can be used as they choose.
Did you know self-reported financial and emotional wellness are higher among employees who have supplemental health insurance? These benefits help support your employees when they're dealing with unforeseen medical challenges.
Employees don’t need more complexity when dealing with an illness, injury, or hospital stay. When you offer supplemental health benefits and leave options through Guardian, we ensure your employees receive every benefit they're entitled to without having to submit multiple claims.
Financial pressure impacts more than an employee's wallet. In fact, it can weigh on an individual’s total health more than other factors.⁵ The connection works the other way, too: when mental and physical health measures are low, financial health tends to suffer as well. This bidirectional relationship means problems in one area can exacerbate problems in others, compounding the negative impact on well-being.
¹ State of Employee Financial Wellness Report - Payroll Integrations, 2024
² An Ounce of Prevention: The link between preventive dental care and better oral health and wellness, Guardian 12th Annual Workplace Benefits Study, 2024.
³‘⁴ Guardian internal reporting, June 2024
⁵ Mind, Body, and Wallet® Report - Guardian, 2024
Guardian’s Group Short Term Disability and Long Term Disability Insurance are 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 policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department.
DentalGuard 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. Generic Policy Form # GP-1-DG2000, et al; GP-1-DEN-16; DG7-P. The state approved form is the governing document.
Guardian’s Group Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
In New York, Critical Illness is referred to as Specified Disease.
Guardian Group Life 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.
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