FINANCIAL SECURITY AND A HEALTHIER LIFESTYLE

It all starts at work

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What are Workplace Benefits?

BENEFITS AT WORK PROVIDE EMPLOYEES MORE THAN A PAYCHECK

Benefits offered through work have become increasingly important to Americans, and are now a key differentiator in picking one job over the other. From dental and vision, to life and disability insurance, these workplace benefits occupy a role in helping employees to feel more financially confident.

My Benefits at Work

Life and Disability Income Insurance

FOR ALMOST EVERYONE, YOUR PAYCHECK IS YOUR LIVELIHOOD

While you may be a great saver, your financial security, and that of your loved ones, probably depends a great extent on your regular income. Disability insurance helps protect income during an illness or injury, while life insurance sets up a sum of money for your loved ones if you’re no longer able to be there for them. That’s what makes the insurance your employer offers so important.

Learn about income protection
Vision and Dental Insurance

LOOKING FOR DENTAL AND VISION CARE? START AT WORK.

Taking care of your teeth and vision are important for everyone, at every stage of life. The good thing is, some insurance will help with the costs. Find out whether or not your plans at work offer you the ability to see the dentist or get a new pair of glasses more affordably. 

More on protecting your health
Critical Illness, Cancer, and Accident Insurance

CONCENTRATE ON GETTING WELL – NOT THE COST

When unexpected life events happen, medical insurance may not cover all the costs associated with major illnesses. To reduce the burden of these expenses and protect your savings, offerings like critical illness, cancer, and accident insurance are available.

Why medical insurance isn’t enough

COVERING YOUR EMPLOYEES

Workplace benefits are important. In fact eight out of 10 employees now say that benefits are a major factor in choosing which job to take1. Disability income insurance, life insurance, and dental and vision plans are a great way to provide a solid base of financial security and a means to a healthier lifestyle for your employees. These plans can be bundled or added on in a customized way. By offering this type of protection to current or potential employees, you are investing in the well-being of your people. 

KEEP YOUR EMPLOYEES SMILING, WITH A DENTAL PLAN

Dental care is a necessity, yet it’s not part of most conventional health plans. With one of the largest networks of dentists in the US, Guardian dental plans cover over seven million people and provide your employees with the coverage they’re looking for. 

Why dental insurance for your employees?

TAKE CARE OF THE MOST IMPORTANT THINGS IN LIFE

Offering life insurance to your employees helps them financially support those they care most about at a very difficult time. It allows them to be secure in knowing their loved ones will be provided for.

Why life insurance for your employees?

EMPOWER YOUR EMPLOYEES TO PROTECT THEIR SALARY

Your employees work hard. In times of sickness or injury they need income to maintain their standard of living. Help your employees by offering disability income insurance.

Why disability insurance for your employees?

OFFER VISION CARE. SEE HAPPIER EMPLOYEES.

Vision care is an important part of overall health. Give your employees access to one of the largest networks of reliable doctors, help them save on vision care, glasses, contacts, and more. 

Why vision insurance for your employees?

It’s important to help your employees thrive and stay healthy. One of the most significant ways you can help as an employer is to make comprehensive benefits packages available – offering voluntary benefits like cancer, critical illness, and accident insurance that they can opt into.

WHEN SERIOUS ILLNESSES OCCUR, SECURITY COUNTS

It’s a two-way street: You depend on your employees, and they depend on you. Critical illness plans provide coverage in the event of serious illnesses, such as heart attacks. The cost of deductibles, transport, and treatments not covered by basic plans quickly add up. Allow your employees to protect themselves.  

Why offer critical illness insurance?

ACCIDENTS COME WITHOUT WARNING. THAT’S WHY YOU PLAN.

Even the best medical insurance plans may not fully cover expenses such as X-rays, co-pays, ambulances, and recovery costs. Accident insurance provides a benefit to help pay those bills. Your employees will value the ability to opt for the extra coverage.

Why accident insurance for your employees?

WHEN YOU’RE FIGHTING CANCER, MONEY SHOULDN’T ADD TO THE WORRY

One in three Americans have a risk of developing cancer at some point in their lives2. Giving your employees the opportunity to buy cancer insurance provides them with financial protection at a very tough time in life.

Why cancer insurance for your employees?

Guardian offers a number of add-on products and services to enhance the protection you provide to your employees. TRIP helps with travel-related emergencies and issues, and WorkLifeMatters is an employee assistance program that lets employees access skilled professionals in full confidentiality to consult on important areas of life – from family counseling to finding a lawyer.

WHEN TRAVEL EMERGENCIES COME UP, TRIP IS THERE

Your employees many need to travel for your company. Or they may want to see the world for their own reasons. If they get sick abroad and they need help, TRIP is a service that covers them for the unexpected, from medical emergencies to lost tickets. Let them know they’ve got access to professional resources, wherever life’s journey takes them.

Why TRIP Insurance for your employees?

LIFE CAN BE EASIER WHEN YOU CAN ACCESS EXPERTS

Sometimes people need private advice. Help your employees access experts through our comprehensive service – in absolute confidentiality. From marriage to adoption to psychological and legal counseling, employees can speak with certified professionals. It matters.

Why WorkLifeMatters for your employees?

UNDERSTANDING BENEFITS IS IMPORTANT

Once you start offering Guardian coverage, we can help you provide comprehensive yet simple enrollment strategies for your employees, through our website, printed and online materials, or in person if you’re interested. 

Why Enrollment Services?

THERE ARE BENEFITS TO KEEPING EMPLOYEES HAPPY

High up on the list of what employees seek: job benefits. Find out why a better benefits offering may help you to stand out as an employer.

Learn about offering Workplace Benefits

Protection for You as an Employer

As an experienced workplace benefits and insurance provider, Guardian has an extensive array of services. We enable employers to protect themselves, their businesses, and their employees.

FUNDING YOUR FIRM’S MEDICAL INSURANCE?

If you fund your own health insurance plan for employees, you’re exposed to substantial risks. We’ve got you covered.

Learn more about Stop Loss Insurance

ABSENCE MANAGEMENT: AN APPROACH THAT KEEPS WORKING

Managing employee absences and getting them back to work can be a challenging task. Let us take the paperwork, and the regulatory issues, off your desk.

Learn more about Absence Management

Why Guardian for Workplace Benefits?

At Guardian, we offer a full suite of benefits that can truly make a difference for your employees by protecting their income or savings, or even their health.  We focus on benefits, so you can focus on running your business.

More on Guardian’s benefits programs

Resources and Information

GUARDIANANYTIME.COM

For more information and resources, GuardianAnytime.com is a destination for education, tools, and account management. From employers to brokers to employees to dental providers, all the information you need is here. 

Visit GuardianAnytime.com
Are Workplace Benefits Key To Financial Security?

Check out this infographic to see how employees answer the question.

Workplace Benefits Study

Our recent and highly comprehensive study reveals why employees value job benefits. 

Guardian Benefits Value Tool

Use a tool that can show you where your company stands on benefits, and learn what strategies may help you meet your goals.

Voluntary Benefits Trends

Employees care more about benefits than ever, and you may be surprised at how that could affect your company’s talent pool.  

Questions About Workplace Benefits?

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1Guardian Life, Workplace Benefits Study, 2014 

2Oct 2014, American Cancer Society, "Lifetime risk of Devloping or Dying From Cancer." 

Services are provided by Integrated Behavioral Health, Inc., and its contractors. The Guardian Life Insurance Company of America (Guardian) does not provide any part of TRIP or Work Life Matters services.