Broker Check

A powerful enhancement to your Group Long Term Disability coverage

January 11, 2023

A powerful enhancement to your Group Long Term Disability coverage

Group Long Term Disability (LTD) coverage is a terrific start to protect the income for your key executives, however, it may not be enough. Our Supplemental Income Protection Program can help bridge the gap and provide your key employees with the coverage they need should they become too sick or injured. 
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This innovative program works in conjunction with your Group LTD coverage to increase income for your key employees up to 75%. It also addresses Group benefit "gaps" due to benefit maximums, taxability of benefits* and uncovered earnings, such as bonus compensation and retirement contributions. 

Case study - Learn why this consulting and engineering firm used Guardian to enhance their Group LTD coverage and their overall benefit offering. 

We make it easy for you to enhance your Group LTD coverage with our Supplemental Income Protection Program. Every step of the way, weสนre positioned to maximize your benefit offering. 

In addition, we offer a faster, more efficient way for you to deliver benefits. From enrollment to application to policy delivery and billing, our eSuite platforms allow you to deliver a seamless, end-to-end individual benefit to your employees online. 

For more information on this innovative income protection program, please contact me for details. 

* This email is provided for informational purposes only and should not be considered tax or legal advice. Your client should contact their tax or legal advisor regarding the tax treatment of the policy and policy benefits. Your client should consult with their own independent tax and legal advisors regarding their particular set of facts and circumstances. 

Individual disability insurance Policy Form 1200 or 18GI underwritten and issued by Berkshire Life Insurance Company of America, (BLICOA) Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. For Policy Form 1200 or 18GI, the expected benefit ratio is 60% (NY). Product provisions and availability may vary by state. In New York: This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio is 60%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy form. 

Guardian’s Group Long Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. 

Guardian® is a registered trademark of The Guardian Life Insurance Company of America. 

© Copyright 2022 The Guardian Life Insurance Company of America. 

Pub5487BL-EM2 (12/22) 

2022-147286 (Exp. 12/24)