Small business disability insurance
Disability insurance helps protect your employees and their families financially if they are unable to work due to injury or illness. We offer short- and long-term disability insurance through the Guardian Life Insurance Company of America, one of the most respected and highly rated companies in the industry.
When you add Guardian disability insurance plans to your medical benefits, you get:
- Flexible plan options including short- and long-term disability, supplemental plans, administrative only, and advice to pay plans
- Competitive pricing and discounts on your medical premium (employer-funded plans)
- Package discounts and a single Guardian contact when you purchase multiple product lines
- Industry-leading absence management services
- Enhanced rehabilitation, including dependent care reimbursement
The products listed are offered by The Guardian Life Insurance Company of America, an independent company. These are not Blue Cross or Blue Shield products. Guardian is solely responsible.
Guardian's Group Short Term Disability 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.
STD Policy Form #GP-1-STD07-1.0, et al. LTD Policy Form #GP-1-LTD07-1.0, et al.