Guardian Disability Insurance Brokerage

More reasons to consider ProVider Plus

Your income is your most valuable asset. Protect it!

Disability: Could it happen to you?

Ask these questions when evaluating disability income coverage

Premiums are waived — and even reimbursed — during disability

The last thing you should have to worry about during a disability is paying your policy premium. So when a disability occurs and benefits are paid, only ProVider Plus offers a WAIVER OF PREMIUM BENEFIT that will do all of the following:

• Refund any premiums you have paid that apply to the period of disability, and
• Waive your premium for as long as you’re disabled and receiving benefits in the same claim, and
• Continue to waive your premiums for six months following your recovery.

A presumptive total disability benefit, even if the disability isn’t irrecoverable

With our PRESUMPTIVE TOTAL DISABILITY BENEFIT the disability need not be irrecoverable. We’ll consider you totally disabled, waive any unexpired part of the elimination period and pay benefits based on the date you became totally disabled — even if you are gainfully employed — if an illness or injury causes the total and complete loss of sight in both eyes, hearing in both ears, speech, or the entire use of both hands, both feet, or one hand and one foot.

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Extra protection from the financial impact of severe disabilities

Our optional CATASTROPHIC DISABILITY BENEFIT RIDER19 offers extra protection from the financial impact of severe disabilities resulting in cognitive impairment, the loss of two or more Activities of Daily Living, or total, complete and irrecoverable loss of sight in both eyes, hearing in both ears, speech or use of both hands, both feet, or one hand and one foot in their entirety. Includes an automatic annual 3% compound interest adjustment to the rider benefit when you are catastrophically disabled.

Benefits that continue beyond the normal retirement age

Few companies offer disability benefits that continue beyond normal retirement age. With the GRADED LIFETIME INDEMNITY FOR TOTAL DISABILITY RIDER20, the policy includes a monthly benefit for total disability payable until the end of the benefit period (to age 65 or 67), followed by a lifetime indemnity should you remain continuously totally disabled. The lifetime indemnity amount is determined by your age when continuous, total disability begins. See a sample policy for details. Available with a To Age 65 or To Age 67 benefit period.

Help with premiums if you become unemployed

Our optional UNEMPLOYMENT WAIVER OF PREMIUM RIDER21 waives premiums for up to 12 months if you become unemployed and receive unemployment compensation for at least 60 consecutive days — even if you return to work! If you become unemployed again, we’ll waive premiums again, as long as 48 months have passed since the end of the previous unemployment period.

Coordination with Social Security and government program benefits

Our SOCIAL INSURANCE SUBSTITUTE RIDER22 is a monthly benefit that coordinates with payments received under Social Security and some other government programs. It’s often purchased to reduce the total cost of coverage, while helping to assure an adequate level of disability protection.

Automatic benefit enhancements

Our AUTOMATIC BENEFIT ENHANCEMENT RIDER provides you with automatic 4% compound increases to the monthly benefit each year for five years despite any change in health, income or occupation. Eligibility will be determined at the time of underwriting.

Coverage for student loan debt

Guardian’s unique STUDENT LOAN PROTECTION23 program covers up to $2,000 in monthly payments on student loan debt in the event of total disability. Certain conditions and eligibility requirements apply.

Discounted coverage for students, residents, and eligible members of professional groups, associations, and employer groups may be available.

Ask your insurance professional for eligibility details.

Discounts for employer-sponsored programs

The Qualified Sick Pay Program (QSPP) enables employers to fund a qualified sick pay plan with disability income insurance. The Executive Bonus Program is for employers who choose to provide a bonus to key employees in the value of the disability income insurance premium. A Voluntary Income Protection Program is for business owners who want to provide income protection to their employees at no expense to the business. All three programs offer a 10% permanent policy discount to eligible employer groups. Ask your insurance professional for details.

Special issue limits are available to eligible professionals who are starting out in their careers without a proof of income requirement.

Ask your insurance professional for details on our Special Limits for New Professionals Program.

Programs for start-up business owners, and home-based business owners.

Ask your insurance professional for details of our Business Owner Advantage and Home-Based Business Owner programs.

Convenient Payment Options

With ProVider Plus, there are several payment options available including having your monthly premium automatically deducted from your bank account — without the built-in finance charges other companies might impose.