Offer individual disability income insurance to help protect top talent
A solution employers can choose to help enhance group disability coverage while mitigating potential risks.
Employers rely on group disability insurance as a key benefit to provide employees with added financial confidence if they need to take a leave from work. But for top talent that takes home bonuses and commission, traditional group disability insurance may not provide enough financial confidence if they need to be out of work for an extended period. That's where supplemental individual disability income insurance (Group IDI) works to complement your existing group disability offering.
Here's an example of how the two work together to offer enhanced financial confidence.
Caregiving support services
Guardian is the first benefits carrier to embed caregiving support services into our disability offerings. The Guardian + Wellthy partnership helps ensure your people have the support they need to handle any caregiving task, while also maintaining their own well-being.
Cancer support services
We've partnered with Osara Health to embed cancer support services into our disability offering. So employees facing cancer can access personalized, empathetic support while focusing on their holistic well-being, tracking their symptoms, and more in a unique program.
Access to Peloton
To help aid in recovery, employees receiving LTD benefits have access to the Peloton App. Wellness content and expert instruction creates impactful and entertaining workout experiences for anyone, anywhere, and at any stage in their fitness or recovery journey.
Transportation assistance
Through our partnership with Uber, we offer a transportation voucher for employees with an LTD claim to get to doctor visits or rehabilitation treatments. So they have more financial confidence to help support their recovery and return to work efforts.
Experienced. Reliable. Empathetic.
With disability coverage from Guardian, you and your employees can rely on highly skilled staff with extensive industry experience, stay-at-work services to help employees prevent common workplace disabilities or reoccurrence, and fast and accurate claims decisions and payments.
Learn more about how group disability income insurance helps protect your workforce
Guardian’s Group Long Term and Short Term Disability Insurance is 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. Generic Policy Form #s GP-1-LTD-15 and GP-1-STD-15. The state approved form is the governing document.
Wellthy, Inc. (“Wellthy”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Wellthy and Guardian are not affiliated entities. Wellthy provides a care coordinator to integrate separately retained caregiver resources (e.g., senior care, childcare, etc.) for the benefit of a member or their permitted dependents. (“Services”). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Wellthy reserve the right to discontinue Services at any time without notice. Services may not be available in all states. ©2024 The Guardian Life Insurance Company of America.
Osara Health (“Osara”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Osara and Guardian are not affiliated entities. Osara provides a personalized support program through certified health coaches to address cancer management issues for the benefit of a member (“Services”). Services are designed for members 18 years+ of age, diagnosed with cancer, regardless of cancer type, stage, or prognosis. Services are not meant to provide medical advice/care. Medical advice/care should be sought from your independent healthcare provider(s). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Osara reserve the right to discontinue Services at any time without notice. Services may not be available in all states. Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission. ©2024 The Guardian Life Insurance Company of America. All rights reserved. Uber is an unaffiliated service provider for The Guardian Life Insurance Company of America and is wholly responsible for the administration of these services. Benefit is available on plans with a contract plan of 2009 or later.
Peloton is an unaffiliated service provider for The Guardian Life Insurance Company of America and is wholly responsible for the administration of these services. © Peloton 2012-2024, Peloton Interactive, Inc. All rights reserved.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission. ©2025 The Guardian Life Insurance Company of America. All rights reserved.