Guardian Disability Insurance for Managers

You make a living making sure that the people you manage perform the way they are supposed to when they are supposed to. When deciding which company you want to protect your income, Guardian's Provider Choice disability insurance is the one policy that will pay more benefits and pay them sooner and longer than the competition. In other words, it will perform how it is supposed to when you need it the most.

Provider Choice Recommendation

This product has three options, but we recommend the "Select" option for most of our managers. If you use the instant disability insurance calculator on this page, you will be offered a price based on the Select option.

 

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Supplementing Coverage at Work

Many employers will provide long-term disability to you through the company at no cost. Typically, it covers 60% of base earnings (no commissions or bonus income) and has a maximum benefit of $5,000 or $10,000 monthly. People with lower incomes will cover nearly 60% of their annual income. People with higher incomes are subject to some reverse discrimination. Since the maximum benefit is usually $5,000 a month, anybody making over $100,000 a year isn't going to have 60% of their income replaced. The higher your income, the lower your income replacement percentage will be. The bad news is that you have to pay taxes on this benefit during a claim, so the net amount is much lower than 60% for everybody.

The Solution

You can buy a smaller supplemental disability insurance policy that will give you the following benefits;

  • Make up the money lost to paying taxes on your Group LTD
     
  • Provide benefits above the $5,000 monthly benefit cap (up to $30,000 per/month more)
     
  • This policy is portable, so you can take it when you leave the employer.
     
  • This is generally a better policy than your Group LTD (pays earlier, more benefits, and longer)

1. Individual disability income products 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.

7182424.1 Exp: 10/30/26