Employee Benefits / Workplace Benefits
Disability Income Insurance

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Show employees you care. Offer benefits that matter.

Your employees are one of your business’s most important assets. By providing them with short- and long-term disability insurance, you’ll ensure that a portion of their income will be replaced if they become too sick or injured to work. Short-term disability insurance covers the first few weeks or months when an employee is unable to work; long-term disability insurance begins to pay sometime after the short-term coverage ends, and lasts much longer. Disability insurance can provide a solid base of income protection for your entire staff.

Why choose Guardian for disability income insurance?

  • More than 50 years of benefits experience. Our disability plans cover more than one million employees nationwide. We are ranked as the largest issuer of disability insurance by LIMRA, one of the world's leading insurance and financial services trade associations1.

  • Flexible, comprehensive plans. We offer flexible plan options that can help you limit your costs and manage risk. 

  • Efficient claims management. You’ll get personalized guidance from our highly skilled claims review team, and you’ll have a single contact person to provide information and answer questions on short- and long-term disability claims.  

  • Simplified services for your employees. Your employees can get fast and convenient service from our in-house call center if they need to file a claim. And our experienced staff has the clinical resources to help employees return to work as quickly as possible. 

We clear up some common misunderstandings about the purpose of disability income insurance.

Offering a better benefits package will benefit you, too

Potential job candidates look not only at salary, but at the total benefits package, when they’re comparing job offers. One key benefit you can offer to employees is supplemental disability income insurance. This insurance goes beyond the basic coverage, which typically replaces only 50% to 60% of employee income in the case they can’t work.

Offering this extra insurance will help fill the income protection gap and show that you care about your employees’ long-term well-being. You’ll not only attract top candidates, you’ll keep your current team happier.

Why choose Guardian for supplemental disability income protection?

  • Ability to attract and retain the best talent. An enhanced benefits package can protect more of your employees’ income if they are unable to work due to sickness or injury. It’s an effective way to let your employees know that their health is a priority.

  • Flexible funding options. It’s up to you. You can choose to fund your program in one of three ways:

    - You can pay 100% of the cost for your employees

    - You can share the cost with your employees

    - If you choose not to fund the program, your employees may appreciate the choice to opt in and pay for it themselves 

  • Tax benefits. If your business pays the full amount of the insurance for the employees you select, those payments are considered a business expense and are tax-deductible.

  • Simple implementation. As one of the largest disability income insurance providers in the U.S., Guardian has the know-how to set up a program that’s easy to use and includes customized employee communications tailored specifically for your company. We can organize educational meetings and provide enrollment help and ongoing support, such as reminder communications to ensure your employees know how to choose the best benefits for them. 


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.


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1LIMRA 2013 End of Year Reports; based on number of inforce Disability cases  (STD, LTD, and Self-Insured Combined)

Guardian’s Group Short Term Disability Insurance and Long Term Disability Insurance 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. This policy provides disability income insurance only.  It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.    Plan documents are the final arbiter of coverage. LTD:  Policy Form #GP-1-LTD07-1.0, et al.  STD: Policy Form #GP-1-STD07-1.0, et al.

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, or provided by Guardian. Product provisions and availability may vary by state.