Guardian Disability Insurance for Engineers

"If I Can Think and Type I Can Work"

Unfortunately, this is the most dangerous thought and prevalent among engineers. Cancer does not care what you do for a living, and it will affect you the same way it affects a plumber. You will not be working on projects and attending meetings like you are now while undergoing chemotherapy. The internet allows us to do a lot of work from home now, but illness will prevent you from working as an engineer, and your risk is just as significant as most other white-collar occupations.

90% of disability insurance claims are illness-related1, and while you probably can work on your computer a decent amount while fighting an illness, you likely won't want to. You also should not have to!

Take Some Time to Understand The Need for Income Protection

Some engineers struggle to truly understand the need to protect their income with a high-quality personal disability insurance policy. Everything you have now and expect to have in the future is based upon your continued ability to earn an income by going to work every day. Your income may indeed be one of your most valuable assets, so it is important to understand a few facts.

  • 1 in 4 workers will suffer a disability during their working years.
  • 1 in 8 workers will experience a long-term disability that lasts longer than five years.
  • The average length of disability is 2.5 years.
  • 90% of long-term disabilities are caused by illnesses such as cancer, heart disease, diabetes, and arthritis1.

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Strength of the Guardian Provider Choice Disability Insurance Contract

It is in your inherent nature to understand how things work, and we get more engineering clients because when you take apart this policy, you will see how much better it is than any other company's policy today. Guardian allows you to customize this policy to fit your needs, but even without many of the optional riders, the core of this policy still stands above the rest. The base policy already includes;

  • Hospice Care Benefit
  • Serious Illness Supplement Benefit
  • Presumptive Total Disability Benefit
  • Occupational Rehabilitation and Modification and Access Benefit
  • Waiver of Premium
  • 5-Year Waiver of Elimination Period

Optional Riders to Personalize Your Policy

If you fully load your Provider Choice policy, you will have the best disability insurance policy possible today. No other company could say they offer a more comprehensive level of income protection, but it is rare for somebody to take every single optional rider. The goal here is not to spend every dollar possible but to give you comprehensive income protection to protect yourself and your loved ones.

This list shows you the optional riders, in order of popularity by engineer policyholders, so that you can see what other engineers are currently buying from us.

  • Enhanced Partial Disability Benefit Rider
  • Future Increase Option Rider
  • 3% Compound Cost of Living Adjustment Rider
  • Automatic Benefit Enhancement Rider
  • Catastrophic Disability Benefit Rider
  • Social Insurance Substitute Rider
  • 4-Year Delayed COLA
  • Unemployment Premium Waiver
  • Benefit Purchase Rider

Individual disability income products are underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. 1. https://disabilitycanhappen.org/disability-statistic/ Optional riders are available for an additional premium.

7182383.1 Exp: 10/20/26