Articles

Group Long-Term Disability Insurance

One of the most common scenarios for people purchasing a disability insurance policy is this, for people who already have Group LTD at work and just need more!

How Disability Insurance Companies Handle Pre-Existing Medical Conditions

If you don't have perfect medical history, this is a must-read to help manage your expectations!

Top 20 Occupations Buying Disability Insurance

If you are curious to see who is buying the most disability insurance, here are the top 20 occupations currently buying coverage.

The Disability Insurance Application Process

Understand the major sections of a disability insurance application, and what information the company is looking for.

Automatic Benefit Enhancement Rider

The Automatic Benefit Enhancement (ABE) rider is an easy way for your coverage to keep pace with inflation.

The Elimination Period

An often overlooked provision in disability income insurance planning, the elimination period does have a big impact on when benefits get paid.

Guardian Cost of Living Adjustment (COLA) Rider

Learn all about the COLA rider on a Guardian disability insurance policy. This optional rider helps protect benefits against being eroded by inflation during a claim.

5 Questions To Ask Before You Purchase Disability Insurance

If you only know the answers to these 5 questions, you will know enough about disability insurance.

Why Is Mental & Nervous Disability Insurance Needed?

While most major carriers no longer offer protection for any mental or nervous claims, Guardian still does. This article helps to explain why that is so important.

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