Disability insurance
What is disability insurance? It protects your ability to earn a living. If you get too sick or injured to work, it replaces a portion of your income so you can pay your bills. Disability is more common than you may think: about 5% of working Americans experience a short-term disability each year — and most don’t originate at work, so they aren’t covered by workers' compensation.¹
Get disability insurance for yourself
Affordable long-term disability plans for the self-employed and people who want to supplement coverage from work.
Get disability insurance for employees
Protect the financial wellness of employees with short- and long-term coverage that can be managed in lockstep with other leave requirements.
A history of protecting
Why choose Guardian for disability insurance?
Investopedia named Guardian the Best Overall Disability Insurance Company for 2023 because of our wide range of plans and options to meet the needs of individuals and businesses.² But then again, we’ve been at it for a long time. In fact, Guardian has been helping families protect their financial well-being for over 160 years. With high scores for financial soundness from independent rating agencies,* our 12 million customers can trust us to be there when they need us most.³
Why every working adult should have disability insurance
What would happen if you were suddenly unable to work and earn an income? Accidents and injuries happen, and we can’t always anticipate if or when we’ll be diagnosed with a serious illness or medical condition. A disability policy can help protect you and your family by providing income to help pay your bills if you can’t collect your normal paycheck.
Disabilities are more common than you may think
While the term “disability” is sometimes applied to catastrophic conditions, such as paralysis from a car accident or a debilitating stroke, it covers far more conditions than you might think. Disabilities are more typically the result of less severe injuries, and people often need disability coverage for more common conditions such as pregnancy, back pain, depression, and digestive disorders.
Leading causes of disability claims*:
FAQ
Top questions about disability insurance
Being disabled doesn’t mean unable
Meet Dr. Feranmi Okanlami. After suffering an unexpected accident, his disability insurance helped him continue to pursue his dream, while also opening up new avenues for him to find success. Watch his story to find out more.
Income protection supports financial wellness
Around 5% of working Americans a year will experience a short-term disability leave due to a pregnancy, injury, or illness.⁴ The truth is that people of all ages, demographics, and professions have roughly the same potential to experience an income-disrupting injury or illness. More than 25% of today’s 20-year-olds can expect to become disabled and be out of work for at least a year during their career.⁵
Thinking about individual disability income insurance? Connect with a financial professional.
Still have questions?
Resources to help you learn and compare options or find materials to share with your employees.
Other products you may be interested in for yourself or your employees
Life insurance
If people depend on your income for support, what will happen to them if something happens to you? Life insurance can be a vital source of financial support.
Dental insurance
Dental insurance helps keep your mouth and body healthier by covering regular preventive oral care. And it helps cover costs every time you visit the dentist — even if you need major work.
Supplemental health insurance
Supplemental health benefits can offer an economical way to support well-being when employees are faced with unforeseen challenges, like an accident, illness, or injury.
