Your employees work hard for you

Guardian’s supplemental health coverage works even harder for them.

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Employees experiencing unexpected health challenges need support – not mounting bills, extra paperwork, or added stress. In fact, half of full-time workers have less than $2,500 saved for a medical emergency.1 Offering supplemental health benefits can be an  affordable way employers like you can help. 

Plus, it’s what employees want. Our research indicates that over half of employees want supplemental health insurance benefits. Many employees appreciate the safety net supplemental insurance plans provide –both on the wallet and on the mind.2

Guardian offers a full suite of supplemental health benefits, including:

While these products are available individually, real value and convenience can take shape when employers offer a full suite of supplemental health benefits. With Guardian as your carrier of choice, your employees can count on simple, affordable value that helps you create productive, lasting relationships.

The Guardian difference

Streamlined implementation. A single point of contact to help ensure benefits are ready when your employees are ready to enroll. 

Personalized enrollment strategies. Our approach educates and engages employees in the ways they prefer, so they can understand the value of your supplemental health offerings, which helps them enroll in the right coverage for them. Guardian offers multiple options to help employees feel confident about their benefits decisions – from one-on-one counseling to self-guided online tools, and more. 

A proactive approach to claim settlement. When a short term disability, accident, cancer, critical illness, or hospital indemnity claim comes in, we automatically look across all supplemental health coverages that could apply -- no additional questions or paperwork required.  We’ll process the claim with all other coverages that apply, then deliver all the qualifying benefits to the employee in one check.

We make benefits administration easy. No matter how many Guardian supplemental health benefits you offer, your employees benefit from the simplicity of our system, with:

  • One dedicated client service team focused on understanding your business’ needs
  • One intuitive self-service portal with easy access to reports, eligibility and billing information, claims forms, and more
  • One customer service number where you can reach our knowledgeable and compassionate service representatives for assistance 
  • One EDI file accepted for ALL Guardian products, resulting in a quicker setup process that helps save money

Talk to your broker today about supplemental health coverage with Guardian.

Disclaimer

1

“Benefits Optimization,” Guardian 9th Annual Workplace Benefits Study, 2020.

2

“What Employees Want: Benefits that drive engagement and retention,” 2019.

“55 percent of employees want supplemental health coverage.” Source: “What employees want: Benefits that drive engagement and retention," 2019

“1 in 4 workers feel open enrollment is overwhelming.” Source: “Benefits Optimization,” Guardian 9th Annual Workplace Benefits Study, 2020.

Guardian's Accident, Cancer, Critical Illness and Hospital Indemnity products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. 

In Colorado Hospital Indemnity is known as Accident & Sickness Indemnity Insurance.

Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America®

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