Rippling PEO
As one of the nation’s largest mutual insurance companies, Guardian knows what matters most to our customers. Learn more about the products and services offered based on your employers’ specific benefit offering.
Protection
We serve 29 million people every day, helping them and their families pursue financial confidence and well-being in life, health, and wealth.¹
Experience
We offer you guidance and experience that comes from providing group benefits for more than 60 years.
Network strength
We have more than 139,000+ providers in our nationwide network of dentists, and we’re always making our network stronger.²
Coverage
Preventative cleanings
X-rays
Restorative services, like fillings
Oral surgery
Orthodontics for both adults and children, if included in your benefit
Strong network of dentists
We have more than 139,000 in our nationwide network of dentists, and we’re always making our network stronger. That means if you already have a dentist you love, they're likely part of our network.
Do I have to use a network dentist?
You have the option to use an in-network or out-of-network dentist. You typically save on costs when you use an in-network dentist since the services are based on a lower negotiated fee schedule. If you prefer to use an out-of-network providers, benefits are based on Guardian’s reimbursement schedule.
Vision insurance
Even people with perfect eyesight still need regular eye exams to help make sure no vision correction is needed – especially if, like many of us, you are spending more time in front of screens. That's why your employer offers vision insurance, which helps to cover the eye exams, glasses, and contact lenses not typically covered by your medical insurance plan.
Coverage
Routine eye exams
Discounts on purchase of eyeglasses and contact lenses
Discounts on corrective surgery like Lasik
- Find a VSP provider
Our vision coverage: VSP
Our plans offer thousands of eye doctors for you to choose from.
Why should I consider vision insurance?
Regular eye exams can detect more than failing eyesight: they can detect diseases like glaucoma and diabetes. Plus, it's worth considering for anyone who regularly needs to purchase eyeglasses or contacts.
Life insurance
The income you earn touches numerous other lives. That’s why life insurance can be a vital offering, providing loved ones additional financial confidence in case the unthinkable happens. There are many reasons to consider life insurance, but a simple industry rule of thumb is if you have shared debts or anyone relies on your income for their financial well-being, you should consider getting life insurance coverage.
How does life insurance work?
Life insurance can help protect your loved ones financially by providing a death benefit (usually a tax-exempt payment) to your beneficiaries if you pass away.
Why should I consider life insurance?
If you have children, a spouse, or someone who depends on you, life insurance can be a great way to help ensure they can continue to financially support themselves should the unthinkable happen to you.
Disability insurance
Despite our best efforts, being unable to work due to illness or injury can happen. Disability insurance helps ensure you can continue to support their families at a time they need it most.
If you depend on the income you receive through work to pay your expenses, then you should probably consider disability insurance. It helps ensure that you can continue to receive partial income if you end up too sick or injured to work.
How does disability insurance work?
Most disability insurance pays you a portion of your income if you get sick with a serious illness or experience an injury that prevents you from doing your job. Some cover you in the short term immediately after an incident, while long term disability pays you if your injury lasts for an extended period.
Why do I need disability insurance?
We can’t always anticipate if or when we’ll need to take leave from work due to an illness, condition, or injury, which is why it’s important to have a disability policy that will help you pay your bills in the event that you can’t collect your normal paycheck from work. You can start by determining the real cost of protecting your income.
A new way to provide mental wellness to employees
Guardian has partnered with Spring Health to bring personalized mental wellness benefits to all employees and their families. Spring Health is available at no additional cost to employees electing Life or Disability benefits from Guardian. From in-person and virtual therapy to mental health assessments and mindfulness exercises, these services are clinically proven to drive faster recovery times, reduce absenteeism, and improve overall wellbeing.3
Here’s how it works: Using a short, confidential assessment, Spring Health develops a personalized care plan for each employee, giving them access to:
Unlimited mental and emotional assessments
A licensed Spring Health Care Navigator
On-demand self-help exercises
There is no cost for employees to access these services. Employees will be responsible for the out-of-pocket costs associated with therapy visits in excess of the six covered sessions.
Employees will need to register with Spring Health to access these services.
Learn more about how to access these benefits with Rippling PEO here.
NEW in 2025: Six coaching sessions, in addition to six therapy sessions (virtual or in-person) annually. Learn more about coaching with Spring Health here.
Our comprehensive Employee Assistance Program available through ComPsych provides you and your family members with confidential, personal, and web-based support on a wide variety of important and relevant topics — such as stress management, dependent/elder care, nutrition, fitness, and legal and financial issues.
Review our informational poster or download this flyer.
For additional information on creating an account visit, Rippling help center article.
Virtual-First Eyewear Benefit
At no additional cost, employees electing Guardian Vision have access to XP Health, a virtual-first vision benefit for eyewear.Powered by artificial intelligence, the XP Health platform provides personalized frame recommendations that give tailored suggestions in minutes and can be modeled virtually. In addition, employees receive three benefit credits of $180 per year to use on:
Glasses: Prescription and non-prescription including progressives and computer glasses. Best-in-class designer and affordable brands like Coach, Gucci, Armani, and Tom Ford.
Sunglasses: Prescription and non-prescription. Limit 1 per member per year.
High quality lenses: Blue light filters, durable polycarbonate, and UV protection.
Contact lenses: Daily, weekly, and monthly.
For additional details, download flyer here.For additional information on creating an account visit, Rippling help center article.
1 Guardian internal reporting 2021
2 Guardian internal reporting 06-2024
3 Spring Health proprietary research based on results from use of the Spring Health platform, May 2021
Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.
Guardian's Group Disability, Dental, Vision and Life Insurance products 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. Generic Policy Form #s: GP-1-LTD-15; GP-1-STD-15; GP-1-DG2000, et al; GP-1-DEN-16; DG7-P; GP-1-GVSN-19; GP-1-LIFE-15. The state approved form is the governing document. For NY, the LTD Policy Form # is GP-1-DI-12R-NY.
Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.
Additional eyewear benefits discussed herein are provided by XP Health, Inc., d/b/a XP Health (“XP Health”), 969 Industrial Rd. Suite A, San Carlos, CA, 94070. XP Health is not an insurance benefit. Insured products are offered by the Guardian Life Insurance Company New York, NY. (“Guardian”) which has a financial interest in XP Health. XP Health may not be offered through Guardian in all states.
Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 251 Park Avenue, South, 6th Floor, 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. Spring Health may not be offered through Guardian in all states.
The Employee Assistance Program is a suite of services solely created and offered by ComPsych. Guardian is not responsible or liable for care or advice given by any provider or any service offering within the Employee Assistance Program. This information is for informational purposes only. It is not a contract. Only the plan service agreement can provide the actual terms, services, limitations and exclusions. Guardian and ComPsych reserve the right to discontinue the Employee Assistance
Program at any time without notice. Legal services provided through the Employee Assistance Program will not be provided in connection with or any action against Guardian, ComPsych, or your employer. The Employee Assistance Program, or any individual service offering within the Program, is not an insurance benefit and may not be available in all states.