How Guardian Goes Further
Our enrollment support takes the work off employers by offering:
- a wide array of product education and decision support resources like onsite meetings, phone help, and online tools
- multiple online enrollment options through GuardianAnytime.com or benefits administration platforms driven by the latest technology
- re-enrollment options that allow employees to increase coverage over time without medical exams
Permanent Disability Accidental Benefit
Due to accident, if within 90 days from the date of occurrence an insured dies or suffered from disablement caused directly by an accident caused through external, violent and visible in nature the Company shall pay any one of the following indemnity to the insured.
Waiver of future all premiums for disablement from engaging in or giving attention to any employment or occupation whether for purposes of business, profession or otherwise.
Why Life Insurance Adds Value To Any Benefits Mix
While 74% of those with life insurance obtain it from their workplace,1 more than 60% have either no life insurance or less than industry recommended coverage amounts.2
People tend to overestimate the cost of life insurance. Most dont realize that the average monthly premium can be as affordable as other expenses, such as the cost of a daily latte.
That can be appealing to millennials less than 50 percent of whom own life insurance. While younger millennials are less likely to own a house or have children , they may not realize that life insurance can stretch beyond traditional uses to support causes they care about, too.
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How Guardian Life Insurance Can Go Further
We offer a wide variety of complementary products and features that address employees needs:
- Accidental Death & Dismemberment Help increase financial confidence for employees by offering AD& D insurance as a complement to a Guardian life plan to cover accidental death and injuries.
- LifeAssistSM Provide employees with the critical income needed should they suffer a severe or catastrophic disability.
- Will Preparation Services Offer employees complimentary access to estate planning professionals, online planning documents, and a resource library. Standard with all voluntary life plans.3
- Employee Assistance Program Give employees the opportunity to access confidential, one-on-one, and web-based support on personal, financial, and legal matters. Workplace tools for employers are also available.
What Are The Benefits Of Disability Insurance
People may incorrectly assume what qualifies as a disability. For example, they may believe the term applies to catastrophic conditions, such as paralysis from a car accident or a debilitating stroke. However, disabilities typically are the result of less severe injuries and more common conditions such as pregnancy, back pain, depression, and digestive disorders.
An analysis of Guardian disability claims shows mental health, which includes substance abuse, as one of the fastest-growing diagnosis categories in the past five years, along with digestive and circulatory.2
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Support Employers And Employees Can Count On
As a company thats been delivering on promises for more than 160 years, our stability means well be there when our customers need us most. When a life claim is filed, a tenured, dedicated life case manager handles your employees experience with empathy and care, and facilitates fast, accurate benefits payments.
What Is Disability Insurance
Disability insurance provides partial income so you can pay your bills if you get too sick or injured to work. Disability happens to more people, more often than you may think. In fact, more disabilities are caused by illness than injury, including common conditions like heart disease and arthritis, and most disabilities are not covered by Workmans Compensation.1
Some employers will offer short and long-term disability benefits to their employees. A short-term policy helps you immediately after an incident, and a long-term policy helps provide financial protection for disabilities that can last for years. You can also pay for additional coverage on top of the benefits you get at work to help provide extra financial protection.
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Sign In To Your Account
Select one of the options below to sign in to your personal, business or industry professional accounts.
Account access for customers, members, plan participants, policyowners and trustees. Log in to review your policy details, pay a bill, manage account information and more.
Dental, Vision & Hearing
Account access for benefits administrators, employers, plan sponsor, providers and third party administrators. Sign in to manage a plan, review employee benefits and more.
Dental, Vision & Hearing
Account access for industry professionals, agents, brokers and producers. Sign in to check on your business, access tools, manage accounts and more.
Dental, Vision & Hearing
Personal Accounts
Account access for customers, members, plan participants, policyowners and trustees. Log in to review your policy details, pay a bill, manage account information and more.
Dental, Vision & Hearing
Business Accounts
Account access for benefits administrators, employers, plan sponsor, providers and third party administrators. Sign in to manage a plan, review employee benefits and more.
Dental, Vision & Hearing
Industry Professional Accounts
Account access for industry professionals, agents, brokers and producers. Sign in to check on your business, access tools, manage accounts and more.
Dental, Vision & Hearing
Need more help? Contact us for further assistance with account access.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at:
According to CalOPPA we agree to the following:
Users can visit our site anonymously
Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.
Users will be notified of any privacy policy changes:
- On our Privacy Policy Page.
Users are able to change their personal information:
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place.
Does our site allow third party behavioral tracking?
It’s also important to note that we do not allow third party behavioral tracking
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Can Spam Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can and we will promptly remove you from ALL correspondence.