Guardian Disability Insurance Benefits over Other Providers

If you are a working professional, you know how important your income is for your financial security and well-being. But what if you suddenly become unable to work due to an illness or injury? How would you pay your bills, support your family, and maintain your lifestyle?

This is where disability insurance comes in. Disability insurance is a type of insurance that replaces a portion of your income if you become disabled and cannot work.

It can help you cover your essential expenses, such as mortgage, rent, utilities, food, and medical bills, while you recover from your disability.

But not all disability insurance policies are created equal. Some may have limited coverage, high premiums, long waiting periods, or strict definitions of disability and that’s why you need to choose a disability insurance provider that offers affordable, comprehensive, and flexible plans that suit your needs and goals.

One of the best disability insurance providers in the market is Guardian and has been in business for over 160 years.

Guardian insurance disability logo | Photo courtesy: Verywell Health
Guardian disability insurance is one of the best options for protecting your income and your life | Photo courtesy: Verywell Health

It has a reputation for financial strength, customer service, and innovation and offers a variety of disability income protection plans for individuals and businesses, with features and benefits that make them stand out from the competition.

What are the benefits of Guardian disability insurance?

Here are some of the benefits of choosing Guardian disability insurance:

  • High-quality coverage

Guardian designs disability insurance policies to offer you the best possible coverage for your situation.

They have generous definitions of disability, which means that you can qualify for benefits if you cannot perform the duties of your own occupation, not just any occupation.

They also have high benefit amounts, ranging from 40% to 70% of your income, depending on your plan and income level.

Additionally, these policies offer extended benefit periods, lasting up to retirement age, allowing you to receive benefits throughout your period of disability.

  • Affordable premiums

Guardian sets competitive prices for its disability insurance policies, whic premiums based on your age, gender, occupation, income, health, and plan features.

You can also customize your plan to fit your budget and needs, by choosing your benefit amount, benefit period, waiting period, and optional riders.

Guardian also offers discounts for groups, associations, and multi-policy holders, as well as premium waivers for certain situations, such as unemployment, maternity leave, or military service.

  • Flexible options

Guardian disability insurance policies are flexible and adaptable, allowing you to adjust your plan as your life changes.

You can increase your benefit amount without medical underwriting, if your income increases or you change your occupation.

You can also add optional riders to enhance your coverage, such as residual disability, cost of living adjustment, future purchase option, catastrophic disability, and more.

Guardian also offers short term and long term disability insurance policies, as well as supplemental disability insurance, to meet your different needs and preferences.

  • Reliable service

A reliable and reputable company with a history of protecting its customers backs Guardian disability insurance policies.

Guardian has high ratings for financial stability and claims-paying ability from independent rating agencies, such as A.M. Best, Standard & Poor’s, and Moody’s.

It also has a high customer satisfaction rating, with a 97% retention rate and a 94% claims approval rate.

Guardian has a dedicated team of disability specialists, claims managers, and customer service representatives, who are ready to assist you with your policy and claims.

How to get Guardian disability insurance?

If you’re interested in obtaining Guardian disability insurance, follow these steps:

  • Contact a Guardian agent: Take the first step of contacting a Guardian agent. They can help you find the best plan for your situation. Additionally, you can find a Guardian agent near you by using the agent locator on the Guardian website. You can also request a quote online by filling out a simple form.
  • Apply for a policy: The next step is to apply for a policy, which involves filling out an application form and providing some personal and financial information. You may also need to undergo a medical exam and provide some medical records, depending on your age, health, and plan features. The application process may take a few weeks, depending on the complexity of your case and the availability of your records.
  • Receive your policy: The final step is to receive your policy, which will be mailed to you once your application is approved. You will also receive a policy summary, which outlines the main features and benefits of your plan. You should review your policy carefully and make sure you understand all the terms and conditions. You will also have a 30-day free look period, during which you can cancel your policy and get a full refund, if you are not satisfied with it.


An infographic animation | Photo courtesy: Canvas
Photo courtesy: Canvas

What is the most approved disability? 

According to the Council for Disability Awareness, the most common causes of disability claims stem from musculoskeletal disorders, cancer, pregnancy, mental health issues, and injuries.

Among these, arthritis and other musculoskeletal disabilities are the most commonly approved conditions for disability benefits, as they can have a debilitating impact on muscles and bones.

What qualifies as a disability? 

The definition of disability may vary depending on the program or law that provides benefits or protection for people with disabilities. For example, the Social Security Administration defines disability as a medical condition that prevents you from engaging in substantial gainful activity (SGA) for at least 12 months or is expected to result in death.

The Americans with Disabilities Act defines disability as a physical or mental impairment that substantially limits one or more major life activities, or a history or record of such an impairment.

The Equality Act 2010 in the UK defines disability as a physical or mental impairment that has a long-term and substantial negative effect on your ability to do daily activities.


Guardian disability insurance is one of the best options for protecting your income and your life, if you become disabled and cannot work. It offers high-quality coverage, affordable premiums, flexible options, and reliable service, that make it stand out from the competition.

If you want to learn more about Guardian disability insurance or get a quote, you can contact a Guardian agent today, or visit the Guardian website. Don’t wait until it’s too late, get Guardian disability insurance today, and secure your future.

READ MORE: Top 10 National Disability Organizations You Should Know About

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