With limited resources and
budgets, small business owners are focused on cost and convenience. Guardian
understands these needs and strives to provide large company benefits at small
business prices.
We’ve recently enhanced our life and disability
products for small businesses, and have also added a new critical illness product
– all of which helps to increase flexibility and ease administration.
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Product
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Enhancement
|
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Long-Term Disability
|
- Guarantee Issue
available.1
- $2,500/month
for 2-5 lives2 and $6,000/month for 6-9 lives.2
- Higher maximums
available with underwriting - maximum available monthly benefit increased to
$7,500.
|
|
Short-Term Disability
|
- Guarantee Issue
available.1
- $500/week for
2-5 lives2 and $1,000/week for 6-9 lives.2
- Higher maximums
available with underwriting - maximum available weekly benefit increased to
$2,000.
|
|
Life
|
- For 2-5 lives,
guarantee life insurance of $25,000.1
- For 6-9 lives,
guarantee life insurance of $50,000.1
- Higher amounts
available with conditional issue and/or medical underwriting.
|
|
New! Critical Illness
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- Lump-sum payment up to $50,0003
upon diagnosis of a heart attack, cancer, stroke, major organ transplant, end-stage renal failure, or coronary artery bypass graft (CABG).
- Hospital admission payment
up to $500 per day for conditions other than critical illness.
- For 6-15 lives,
guarantee issue of $5,000 for employees & $2,500 for spouse &
children on non-contributory and contributory plans.
- For 2-5 lives,
conditional issue required.
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For more information on how we can meet your small group clients’ needs,
contact your Guardian Small Group Sales Representative. Call the number for your state:
800-356-5808: CT, DC, DE, IA, IL, MD, NJ, NY, PA, VA, WI
877-652-4151: AL, AR, FL, GA, IN, KY, LA, MA, ME, MI, MN, MO, MS, NC, NH, OH, RI, SC, TN, VT, WV
866-747-4542: AK, AZ, CA, CO, HI, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY
1 To
qualify for Guaranteed Issue, employer must complete transferred business
questionnaire. For Life, age restrictions apply. For ages 65-69 maximum
guaranteed issue is $10,000 (employee), while ages 70 and older must be
individually underwritten for all amounts. Late entrants and benefit increases
require underwriting approval.
2
Pre-existing condition language is subject to state-specific guidelines.
3
Face amounts up to $25,000 for groups with 2-9 lives.
Critical Illness is not
available in all states. Exclusions and limitations may apply.