Deciding moments
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.
Use this guide to help determine what benefits are right for you, depending on your priorities
It’s time to make it alone and you’ve never been more excited!
But now you’ll face decisions about things that didn’t cross your mind before: budgeting, saving for your future goals, and even retirement.
3 in 5 Americans would have to borrow to pay a $3,000 medical bill.¹
Consider new insurance options
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.
Get extra protection
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.
Start planning ahead
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.
Learn moreDental insurance
Your oral health has a big impact on your overall well-being. Make sure your smile sparkles without breaking the bank.
Learn moreAffordable coverage for your health
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.
Learn moreLife insurance
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.
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.