Simply put, voluntary benefits go further with Guardian


As our latest research1 confirms, the pandemic continues to take a toll on workforce wellbeing. Employers are trying to help, while also trying to stay financially afloat. It’s no wonder most employers are thinking about offering voluntary benefits – especially those that pay cash in certain medical situations. These benefits can provide employees with added financial independence in these extraordinary times, without having to add to the bottom line.

But what if your business could do even more?

With Guardian, the voluntary benefits offered can go further to help employees, thanks to features and add-ons that address the worries of today while adding financial confidence for tomorrow.

Here’s how:

Guardian’s Wellness Benefit* pays employees for completing certain types of routine preventive care. Employees can then use those payments to help cover the cost of voluntary coverages while taking care of themselves.

Guardian’s Child Organized Sports benefit** boosts reimbursement in the event a dependent child is injured playing organized sports – ideal for when outdoor activities more widely resume and is available with Accident insurance only.

Our standard Rainy Day Fund can be used to pay Accident claims that would otherwise be denied due to certain limitations.



Available on Guardian Accident, Critical Illness, Hospital Indemnity, and Cancer Insurance.

Guardian's Wellness Benefit is known as the Health Screening Benefit for Hospital Indemnity Insurance.


The child must be insured by the plan on the date the accident occurred. The child must be 18 or younger.


Guardian Workplace Benefits Study report, “Benefits Optimization,” 2020.


Source:  Federal Reserve Bank of New York, February 2020.

Group 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. 

The Guardian Life Insurance Company of America (Guardian), New York, NY. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America. © Copyright 2022 The Guardian Life Insurance Company of America (Guardian), New York, NY.

[This advertising content is not currently intended for anyone in the state of] [New Mexico] [Wyoming].

For Wyoming residents:

Cancer insurance disclosure information

Right to Return: If you are not satisfied, you may return the certificate within 30 days after receipt. The amount of premium you have paid will be refunded provided no claim has been incurred during the 30-day period. Your certificate will then be void, as though you had never applied for the insurance.

Proof of Insurability: If your plan requires proof of insurability, it will be shown in the schedule of insurance. Your coverage may not become effective until you submit proof of insurability to us.

Pre-Existing Conditions: If your plan has a pre-existing condition limitation, it will be shown in your certificate. A pre-existing condition is a cancer, whether diagnosed or misdiagnosed, for which in the 90 days before you become covered by this plan, you: (1) received advice or treatment from a doctor; (2) underwent diagnostic procedures; (3) were prescribed or took prescription drugs; or (4) received other medical care or treatment, including consultation with a doctor. This plan will not pay benefits for cancer that is caused by, or results from, a pre-existing condition if the cancer occurs during the first 12 months that you are covered by this plan.

Exclusions: This plan will not pay benefits for the following: services or treatment not included in the schedule of insurance; services or treatment provided by a family member; services or treatment provided primarily for cosmetic purposes; services or treatment for premalignant conditions; services or treatment for conditions with malignant potential; services or treatment for non-cancer sicknesses; cancer caused by, contributed to by, or resulting from: (1) participating in a felony, riot or insurrection; (2) intentionally causing a self-inflicted injury; (3) committing or attempting to commit suicide while sane or insane; (4) your mental or emotional disorder, alcoholism or drug addiction; or (5) engaging in any illegal activity; or (6) serving in the armed forces or any auxiliary unit of the armed forces of any country; cancer arising from war or act of war, even if war is not declared.

Benefits: Your plan may include the following benefits: air ambulance; alternative care (palliative care or Lifestyle benefits); ambulance; anesthesia; anti-nausea medication; attending doctor; blood, plasma and platelets; bone marrow and stem cells; cancer screening, cancer screening follow-up; experimental treatment; extended care facility/skilled nursing care; government or charity hospital; home health care; hormone therapy; hospital confinement; immunotherapy; intensive care unit confinement; inpatient special nursing; medical imaging; outpatient and family member lodging; outpatient or ambulatory surgical center; physical or speech therapy; prosthetic devices; radiation therapy and chemotherapy; reconstructive surgery; reproductive benefits; second surgical opinion; skin cancer; surgical benefits; and transportation/companion transportation.

2022-135744 20240331