Title: Guardian - Insurance, Investments & Employee Benefits
Headings: Group Disability Insurance
Group Disability Insurance
More than just income protection
Did you know?
How different types of disability insurance add value to your benefits mix
Supporting employees when they need it most can mean everything – especially when the unexpected occurs.
Dedicated support for every type of claim
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Versatile disability insurance options to meet the needs of you and your employees

Content: Guardian - Insurance, Investments & Employee Benefits
Group Disability Insurance
More than just income protection
Disability insurance provides employees with partial income if they become too sick or injured to work. But we believe disability insurance should go further than income protection, by helping to support the physical and mental well-being of employees, and helping them return to their best possible levels of health and productivity. Did you know? Nearly 40 percent of full-time workers, or 50 million Americans, have no disability insurance at all. What’s more, 8 in 10 people with no disability insurance said they have not yet fully recovered financially from their disability leave.1
How different types of disability insurance add value to your benefits mix
In general, there are two types of disability insurance: Short-term disability insurance helps employees immediately after an event, while long-term disability typically starts after six months and can last years. Plans can be offered on an employer-paid, contributory or voluntary basis at little or no cost to your company. Some states also offer mandatory statutory plans that can also help protect employees in an event they suffer a disability. Supporting employees when they need it most can mean everything – especially when the unexpected occurs. Guardian believes that disability insurance should put people first, by managing the logistics of each claim quickly, efficiently, and with compassion.