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Many Americans are not financially prepared for income loss during an illness or injury. Disability insurance helps protect income. 

Income is essential to a household's finances and is closely linked to overall well-being. And, along with many things that are innately important to people — health, home, and family — income is worth protecting.

73% of workers feel they have not completely recovered financially from their most recent disability leave.

For a variety of reasons that range from a lack of understanding to a lack of employer-subsidized availability, however, workers don't protect their income at the kind of rates they protect their medical health, oral health, or their end-of-life circumstances. In fact, ownership has been dropping steadily. In 2025, only 43% of working Americans owned disability insurance.

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Guardian’s 2023 disability insurance report can be found here Download

Financial information concerning Guardian as of December 31, 2025, on a statutory basis: Admitted Assets = $93.8 Billion; Liabilities = $83.8 Billion (including $64.0 Billion of Reserves); and Surplus = $10.0 Billion. Financial information concerning GIAC as of December 31, 2025, on a statutory basis: Admitted Assets = $11.0 Billion; Liabilities = $10.3 Billion (including $4.1 Billion of Reserves); and Capital and Surplus = $0.7 Billion. Financial information for Berkshire Life Insurance Company of America as of December 31, 2025, on a statutory basis: Admitted Assets = $5.7 Billion; Liabilities = $5.5 Billion (including $1.2 Billion in Reserves); and Capital and Surplus = $0.2 Billion.