Short-term disability
Designed for shorter periods away from work after the applicable waiting period.
Guardian Life & Wealth
Group disability
Protect employee income when sickness or injury interrupts work
Short- and long-term disability benefits can replace a portion of income under plan-specific definitions and requirements.
Income protectionProtect employee income when sickness or injury interrupts work
Coverage layers
Long-term disability
Designed for longer-duration income protection under the group policy's disability definition.
Return-to-work support
Claims and absence workflows can coordinate restrictions, accommodations, and return-to-work planning when applicable.
Important information
Educational content only. Insurance products, underwriting, premiums, contract provisions, exclusions, riders, availability, and guarantees vary by carrier, product, state, and applicant. Guarantees depend on the claims-paying ability of the issuing insurer.