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    Vensure Employer Services

    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.

    Two employees looking at a computer monitor

    • Dental insurance

    • Vision insurance

    • Life insurance

    • Disability insurance

    • Supplemental health insurance

    • Value-added benefits

    • Protection - Lock icon

      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 - Icon - team

      Experience

      We offer you guidance and experience that comes from providing group benefits for more than 60 years.

    • Network strength - Icon - Network

      Network strength

      We have more than 139,000+ providers in our nationwide network of dentists, and we’re always making our network stronger.²

    Dental Insurance

    Good oral health can lead to better health overall. That’s why dental insurance is one of the best ways to access the preventive oral care while helping to reduce the cost of any additional dental services you may need.

    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.

    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.

    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.

    Supplemental Health

    Supplemental health insurance, like accident, cancer, critical illness, and hospital indemnity coverage can provide a lump sum benefit in a health emergency to help you cover expenses – medical or otherwise – your health insurance plan might not.

    Did you know there’s insurance specifically designed to help cover additional medical costs that can help keep you physically and financially healthy? Medical expenses are the most common reason people file for bankruptcy, and 62% of them have medical insurance.1,2

    Value-added benefits

    1 Investopedia, Top 5 Reasons Why People Go Bankrupt, March 2021

    2 Spendmenot.com Medical Bankruptcy Statistics, May 2022

    3 The child must be insured by the plan on date the accident occurred, and the child must be 18 years of age or younger.

    4 Lump sum payments, wellness benefits and hospitalization benefits are optional plan choices determined by your employer.

    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 Accident, Cancer, Critical Illness, Hospital Indemnity, 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-ACC-18; GP-1-CAN-IC-12, et al; GP-1-LAH-12R; GP-1-CI-14; GP-1-HI-15; 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.

    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 provided by ComPysch, and its contractors. The Guardian Life Insurance Company of America (Guardian) does not provide any part of the Employee Assistance Program. Guardian is not responsible or liable for care or advice given by any provider or resource under the program and services. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitation content and exclusions. Guardian and ComPysch reserve the right to discontinue the Employee Assistance Program at any time without notice. Legal services will not be provided in connection with or preparation for any action against Guardian, Uprise Health, or your employer. The Employee Assistance Program is not an insurance benefit and may not be available in all states.

    Wellthy, Inc. (“Wellthy”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Wellthy and Guardian are not affiliated entities. Wellthy provides a care coordinator to integrate separately retained caregiver resources (e.g., senior care, childcare, etc.) for the benefit of a member or their permitted dependents. (“Services”). 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 Wellthy reserve the right to discontinue Services at any time without notice. Services may not be available in all states. ©2024 The Guardian Life Insurance Company of America.

    A new way to mental wellness for 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, Disability, or Supplemental Health benefits from Guardian.

    From in-person and virtual therapy to mental health assessments and mindfulness exercises, these services can help drive faster recovery times, reduce absenteeism, and improve overall well-being.

    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

    • three therapy sessions, either virtual or in-person

    • on-demand self-help exercises

    There is no additional 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 three covered sessions.

    Employees will need to register with Spring Health to access these services.

    Learn more about how to access these benefits with Vensure Employer Services PEO 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.

    Download the flyer to learn more.

    At Guardian, we understand that many employees also juggle caregiving responsibilities outside of work. That’s why we’ve partnered with Wellthy to help provide complimentary caregiving support services as part of the disability benefit provided by your employer. Tailored to your needs, you’ll have access to the support you need to help tackle any caregiving challenge you might face, while also being able to stay on top of your own physical, mental, and emotional wellness.

    Download the flyer to learn more

    What is accident insurance?

    Accident insurance is a benefit paid in a lump sum that can be used to relieve the sting of unanticipated expenses after an accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury.

    What does accident insurance cover?

    Accident insurance pays you a lump sum benefit in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football3.

    Why should I consider accident insurance?

    With health coverage becoming more expensive with higher copays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.

    The Benefits of Accident Insurance - watch now

    What is cancer insurance?

    Cancer insurance provides a lump-sum payment for cancer diagnosis, screenings, and treatment. Payments are made to the employee, regardless of medical insurance, and can be used for any purpose.

    What does cancer insurance cover?

    Cancer insurance can help you handle medical plan deductibles, copays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments.

    Why should I consider cancer insurance?

    The unexpected out-of-pocket expenses of cancer recovery, such as transportation to chemotherapy, copays, and deductibles, can add up fast. While health insurance can definitely help, the costs of cancer can go well beyond what’s covered, from copays and deductibles to out-of-network and experimental treatments, home health care needs, and travel. That’s on top of everyday bills such as groceries, utilities, car payments, and more. Cancer insurance can help you pay for all of these expenses.

    The Benefits of Cancer Insurance - watch now

    What is critical illness insurance?

    Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke.

    What does critical illness insurance cover?

    Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.4

    Why should I consider critical illness insurance?

    It’s an affordable way to supplement and pay for the additional expenses your health insurance doesn’t cover. Plus, some of our policies pay out additional cash if you find yourself in the hospital for less serious illnesses or injuries.

    The Benefits of Critical Illness Insurance - watch now

    What is hospital indemnity insurance?

    If you’re hospitalized, hospital indemnity insurance can help cover the costs associated with the stay. This insurance can be especially valuable if your health plan has high deductibles and copays, you’ll need assistance with childcare, or might need to travel far from home to receive medical care.

    What does Hospital Indemnity Insurance cover?

    If you are admitted to a hospital for a covered sickness or injury, you can receive payments that can be used for any purpose, such as:

    • High deductibles and copays

    • Travel to and from the hospital for treatment

    • Child care service assistance while recovering

    Why should I consider Hospital Indemnity Insurance?

    Guardian's Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage and can give you more financial confidence for unplanned expenses brought on by a hospital stay. Payments are made directly to you, even if you did not actually incur any out-of-pocket expenses.

    The Benefits of Hospital Indemnity Insurance - watch now