Slate: Kelly stirring incense in meditation bowl.
Super: Long term disability insurance.
When should you start thinking about it?
Kelly: Welcome back to “Simply put”. I’m Kelly from Guardian, here to answer your questions about voluntary benefits in terms we can all understand.
It looks like we’re back with—uh, Eva?
Eva: [In a backbend, stretching on a balance ball, her camera phone is upside down] Hey Kelly. I wanted to ask a question about my insurance.
Kelly: Looks like you’re stretching there, huh. Sure. What’s up?
Eva: My friend convinced me to take a “super core yoga” class with her yesterday. I don't think my core was up to the task.
Kelly: You know…I don’t think mine would be either. But, thankfully, at Guardian we always take care of your biggest asset—you! Which is why we think long term disability insurance is so important…
Eva: [Groaning] I tell you what, I’m sore everywhere. I don’t feel like much of an asset right now.
Kelly: [Meditation music playing, Buddha chime bowl on desk, tapestry on back wall] I get it. But imagine if your injury or illness was so bad that you had to be out of work for a long period of time. While Americans are saving more than ever, I don’t think many of us could go without working for 6 months, 12 months, or longer. In fact, 1 out of 4 of today’s 20-year-olds can expect to be out of work for at least a year due to a disability during their working years.
Eva: 1 in 4? That’s a lot.
Kelly: I know, right? Simply put, long term disability is insurance for a portion of your income. It can help cover things like groceries, or the rent, help pay your utilities—or use it for things like daycare, if you have kids. Long term disability keeps a portion your income coming in—while you work on getting back to where you need to be.
Eva: Thanks. Sounds like I really need to enroll in long term disability. But right now [slumps off the balance ball] I think I need a hot bath.
Kelly: Good idea. Maybe put some Epsom salts in it?
Eva: What’s an Epsom?
Super: Guardian voluntary insurance benefits are built to help you.
Talk to your employer, broker, or Guardian representative today. guardianlife.com/simplyput
Button: Eva smelling salt. (It’s a little overwhelming.)