About Employee Benefits

Dental

There is a strong connection between oral health and a person's overall health. Guardian is committed to offering dental plans that will help keep employees healthy while allowing employers to offer quality employee benefits plans even with a smaller budget.

Guardian works with brokers and employers to create flexible, innovative plan designs that help meet their unique needs. Innovative features, such as Maximum Rollover and Preventive Advantage, stretch annual maximums to allow members to

Life Insurance

Life insurance is the key vehicle for providing financial protection for family and loved ones to help manage expenses in the face of loss. But the fact is 3 in 10 employed individuals in the U.S. rely solely on group life insurance for their coverage needs.* That’s why it is such an important cornerstone to any company’s employee benefits solution offering. Guardian offers a wide variety of competitively-priced, high quality life insurance products including:

Term (Basic) Life Non-contributory, contributory, and voluntary plans plus value-added options:

Disability

Disability Insurance is a valuable coverage employers provide as an employee benefit because it protects people's most valuable asset - their ability to earn an income when they are unable to work. Companies that want to ensure their productivity and profitability while making certain their employees are in good hands should put their trust in an industry leader.

Critical Illness

During a health crisis, families can incur costs that are typically not covered by health insurance - a spouse’s lost wages due to caretaking, commuting costs to doctor’s offices, and an increased need for child care. In fact, two-thirds of the costs of cancer are non-medical^*.

As part of our employee benefits solutions, Guardian offers Critical Illness coverage that helps protect employees'  financial well-being during recovery from a serious illness. Payments can cover out-of-pocket medical expenses like deductibles and experimental treatments, as well as the non-medical expenses mentioned above.

Vision

Eye health is an indicator of overall health. Vision insurance gives people access to quality vision care. Since most people would trade a vacation day for eye care benefits*, vision coverage is an increasingly important part of any employee benefits program. Guardian provides rich, flexible vision plans covering exams and materials. Members can visit any doctor they wish but save significantly on out-of-pocket costs when visiting a network provider. A choice of two provider networks gives members thousands of access points nationwide:

Section 125 (FlexPlan)

A complement to any employee benefits package, Section 125 plans (named because they operate under Section 125 of the Internal Revenue Act) are an easy way for employers and employees to save on taxes, making more money available for other needs.

FlexPlan, Guardian's Section 125 plan, includes options for employees to use pre-tax dollars taken directly from their paychecks to pay for eligible group insurance premiums, non-covered health expenses, dependent care and transportation expenses.

Voluntary Benefits

Employers can give their employees more with Guardian’s voluntary benefits. Employees can purchase additional coverage at work at group rates and through the convenience of payroll deduction for these popular products:

• Critical Illness

• Dental

• Disability

• Life

• Vision

Our worksite process focuses on full-customer service support before, during, and after enrollment to ensure understanding and signing up for valuable benefits is simple.