Disability Insurance (Income Protection)

Disability Insurance is a valuable coverage employers provide as an employee benefit because it protects people's most valuable asset - their ability to earn an income when they are unable to work.

Companies that want to ensure their productivity and profitability while making certain their employees are in good hands need to put their trust in an industry leader. Guardian has been protecting against financial hardship brought on by disability for over 40 years.

We offer a range of flexible, creative short-term and long-term disability plans to meet the specific needs of companies, while minimizing cost. Guardian believes no plan is one-size-fits-all. The options we offer include the following:

• Critical Disability Supplement (added financial security to cover additional costs that may result from a severe disability)
• Pension Supplement (continued contributions into an employer-sponsored pension plan, ensuring pension contributions do not come to a halt during disability)
• Critical Care FMLA (benefit to a non-disabled employee out on an approved leave of absence to care for a family member who is ill)

Our thorough claims management review and coordination as well as focus on return-to-work services ensure we will be there when companies and their employees need us most.