Surprise! Voluntary benefits cover that

Types of voluntary benefits

The most common voluntary insurance plans complement your health coverage, and help provide additional financial confidence when you’re sick or injured.

Dental Insurance

Dental insurance typically covers some of the costs you pay every time you visit the dentist, such as cleanings or repairing cavities. It can help you pay less for extensive dental work or oral surgery.

Dental benefits. Why it makes sense to stay in network.

Vision Insurance

Vision insurance helps cover routine visits to the optometrist for eye exams, as well as the cost of glasses and contacts, which may not be covered under a typical health insurance plan. It can help you care for your vision without racking up huge bills.

Vision benefits. Helping employees see a real difference.

Disability Insurance

There are two main types of disability insurance: short-term and long-term. Both types of plans are intended to help replace a portion of your income in case you become too ill or injured to work. Short-term disability insurance typically covers benefits for a period of up to 3-6 months, and long-term disability insurance may pay benefits for a period of five, 10, or 20 years—or even until you reach retirement age, depending on the plan.

Short Term Disability insurance. Can you plan ahead for the good stuff too?

Long Term Disability insurance. When should you start thinking about it?

Life Insurance

There are several types of life insurance, but every policy is primarily intended to pay benefits to your beneficiaries in the event of your untimely death. Offering life insurance as a voluntary benefit can help provide financial confidence to employees whose loved ones depend on their income.

Life insurance. Why you’re never too young to start planning ahead.

The following voluntary benefits are also referred to as supplemental health insurance plans. These insurance plans can further complement your health plan by providing payouts to help offset unexpected and large expenses that medical insurance may not cover:

Accident Insurance

Accident insurance helps cover any extra, out-of-pocket expenses not covered by health insurance that you might face if they’re injured in an accident.

Accident insurance. Is it really worth it?

Cancer Insurance

Like accident insurance, cancer insurance helps cover out-of-pocket expenses that aren’t covered by health insurance. If you are diagnosed with cancer, this coverage can help ease the financial impact of treatment.

Critical Illness Insurance

Critical illness insurance offers similar coverage if you become very ill or suffer a serious medical problem, like a heart attack or stroke.

Critical illness insurance. Getting you back to where you were.

Hospital Indemnity Insurance

If you are 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’s hospital indemnity insurance? And who needs it?


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


WY Cancer Insurance Disclosure:

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.

Benefit Waiting Period: If your plan has a benefit waiting period, it will be shown in the schedule of insurance. This period starts on the date you are first covered by the plan. We do not pay benefits for cancer that is diagnosed during the benefit waiting period.

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.

The benefits, exclusions, and limitations listed above do not constitute a contract and are a summary. The full plan description, including the benefits and all terms, limitations and exclusions that apply will be contained in your certificate of coverage. The plan documents are the final arbiter of coverage. Coverage terms may vary by state and employer-sponsored plan.

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.

Group Insurance coverages 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.  Plan documents are the final arbiter of coverage.

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

2021-127745 20231031