Preparing for whatever life brings your way
We make a lot of tough decisions throughout our lives. In those deciding moments, having benefits that provide financial protection can help support your choices.
This guide can help you decide which insurance coverage options are most important for your personal situation. Find out which benefits your employer offers so you can begin looking at options and feel ready when open enrollment begins.
1 2022 Benefits Optimization report, Guardian Workplace Benefits Study, 2022
2 Dental Fundamentals, In-demand benefits that support well-being, Guardian, 2022
3 Guardian Workplace Benefits Study, 2023
Material discussed is meant for general information purposes only and is not to be construed as medical, tax, legal or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.
Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
But now you’ll face decisions about things that didn’t cross your mind before: budgeting, saving for your future goals, and even retirement.
You may no longer have access to coverage on your parents’ or partner’s plan anymore, so spend time figuring out what your employer offers, and take advantage of getting benefits through work.
Look into the details of your health plan. Especially if it’s a high deductible plan, you may need some extra protection through your workplace benefits. Accidents and illnesses can happen at any age, and medical bills are expensive, even with insurance.
Can you max out your 401(k) and pay for better benefits? It’s possible to do both with proper planning. Your benefits, like disability insurance, can help you protect your paycheck if you get too sick or injured to work.
Your oral health has a big impact on your overall well-being. Make sure your smile sparkles without breaking the bank.
Stay in good health or add to your savings? You don’t have to choose. Accident, hospital indemnity, or critical illness insurance can help you more easily afford healthcare costs.
It can help you cover financial obligations, like student loans, or give you a start on leaving your legacy to someone or something (like a charity) you love.
As your life changes, so do your deciding moments. Can I pay for that family trip and also get my dental work done? It’s important to carefully assess your benefits options at open enrollment and expand to accommodate whatever comes your way.
As your family grows, don’t forget to review your life and disability protection. They can help protect your family if something happens to you.
Accident insurance can help protect your entire family, and it may even pay out a higher benefit if your child is injured while playing organized sports. With the rise in high deductible plans, this is an increasingly popular benefit for families.
We know you care about your kids’ oral health. Dental insurance helps protect the whole family’s teeth and overall health.
As your family grows, take care of them by reviewing your life insurance to make sure you have the right amount to protect their financial future.
Look for coverage like accident, critical illness, or hospital insurance to pay you directly when you or your family needs it most.
As you get closer to retirement, your needs change. Don’t fall into the trap of auto-enrolling into your benefits at work.
Re-evaluate your budget and take stock of your retirement savings to decide if you need to continue building your nest egg.
Make sure you have protection in place to take care of your overall health with dental and vision protection. Benefits like critical illness, hospital indemnity, and accident insurance also provide valuable protection from expenses that may not be covered fully by your health plan.
Make sure the beneficiaries on your life insurance and 401(k) accounts are up to date. If you haven't done so already, draw up a will to identify how your assets would be distributed.
Accident, critical illness, and hospital insurance pay you directly, and can make it so you don’t have to choose between paying for your health and paying for those surprise expenses!
Your oral health has a big impact on your overall well-being. Dental insurance gives you access to preventive care to protect the whole you.
You know life insurance helps you leave a legacy to the people and causes you love. Make sure you have the right amount of life insurance in place.
