1 Wellthy Net Promoter Score (NPS) Response Data via AskNicely, Jan 1, 2022 through June 30, 2022
2 Impact of Cancer on Employment – Journal of Clinical Oncology, 2020
3 One wellness benefit per calendar year per covered person if a covered person has a wellness test or procedure performed while coverage is in force. See your plan details for benefit amounts.
4 Guardian’s Group Critical Illness Insurance is currently available in the following states: AK, AL, AR, AZ, CT, DC, DE, GA, HI, IA, IL, IN, KS, KY, LA, MA, ME, MD, MI*, MN, MO, MS, MT, NC, ND, NE, NH, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY states.
*MI - 51+ eligible lives
Infertility benefits available only for groups with 100+ eligible lives.
Guardian’s Group Long Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form # GP-1-LTD-15. The state approved form is the governing document. For NY, the Policy Form # is GP-1-DI-12R-NY. Osara Health (“Osara”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Osara and Guardian are not affiliated entities. Osara provides a personalized support program through certified health coaches to address cancer management issues for the benefit of a member (“Services”). Services are designed for members 18 years+ of age, diagnosed with cancer, regardless of cancer type, stage, or prognosis. Services are not meant to provide medical advice/care. Medical advice/care should be sought from your independent healthcare provider(s). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Osara reserve the right to discontinue Services at any time without notice. Services may not be available in all states.
Guardian Group Short Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form # GP-1-STD-15. The state approved form is the governing document. Wellthy, Inc. (“Wellthy”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Wellthy and Guardian are not affiliated entities. Wellthy provides a care coordinator to integrate separately retained caregiver resources (e.g., senior care, childcare, etc.) for the benefit of a member or their permitted dependents. (“Services”). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Wellthy reserve the right to discontinue Services at any time without notice. Services may not be available in all states.
DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form # GP-1-DG2000, et al; GP-1-DEN-16; DG7-P. The state approved form is the governing document. Tobacco Cessation benefits discussed herein are provided by Pelago (Pelago Benefits). Pelago is not a medical care provider. The Guardian Life Insurance Company of America (Guardian) does not control or provide any part of the Pelago Benefits and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Pelago Benefits may not be available in all states. Guardian and Pelago reserve the right to discontinue the Pelago Benefits at any time without notice.
Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 60 Madison Avenue, Floor 2, New York, NY 10010. Spring Health is not an insurance benefit. Insured products are offered by The Guardian Life Insurance Company, New York, N.Y. (“Guardian”) which has a financial interest in Spring Health.
Guardian’s Group Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following the diagnosis of a critical illness. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-CI-14; CI-23-P; GP-1-Cl-15-WA. The state-approved form is the governing document.
Tobacco Cessation benefits discussed herein are provided by Pelago (Pelago Benefits). Pelago is not a medical care provider. The Guardian Life Insurance Company of America (Guardian) does not control or provide any part of the Pelago Benefits and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Pelago Benefits may not be available in all states. Guardian and Pelago reserve the right to discontinue the Pelago Benefits at any time without notice. Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY and is used with permission.
Summary of Plan Limitations and Exclusions (for CI-23-P)
No benefits are payable for the following:
An illness that’s not listed in the Covered illnesses section.
An illness that’s diagnosed after your death unless there’s an exception specifically listed in this guide that we’ll accept a death certificate or autopsy report confirming the diagnosis of that illness.
An illness that’s diagnosed when you’re not covered by this Plan.
Any care, service or treatment that’s received when this coverage isn’t in place.
An illness or condition that’s contributed to or results from any of the following:
Participating in a felony, riot, or insurrection
Intentionally causing a self-inflicted injury
Suicide or attempted suicide while sane or insane
Engaging in any illegal activity
Serving in the armed forces or any auxiliary unit of the armed forces of any country (This exclusion doesn’t apply to the PTSD benefit.)
The voluntary use of any poison, chemical, substance defined as a controlled substance by Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, or prescription drug, unless prescribed by a physician and used as prescribed
The voluntary use of a non-prescription drug inconsistent with package instructions
War or act of war, even if war isn’t declared 2[(This exclusion doesn’t apply to the PTSD benefit.)
An illness or condition that’s diagnosed outside the United States unless the diagnosis is confirmed in the United States. If the diagnosis is confirmed in the United States, the diagnosis will be considered to have been made on the date it was made outside the United States.
Any care, treatment or service received outside the United States.
Any illness, care, treatment, or service that violates local, state or federal law or for which our paying a benefit would violate local, state or federal law.
Any claim for a benefit that isn’t specifically listed as an available benefit under the member guide.
An illness that’s diagnosed by you or a member of your immediate family or a business associate.*
Immediate family includes the following:
Your spouse or anyone with whom you live and share financial assets and obligations.
Your child
Your parents, including stepparents and mother-in-law and father-in-law
Your siblings, including stepbrothers and stepsisters
Your brothers-in-law and sisters-in-law
Your grandparents, including step-grandparents
Your grandchildren, including step-grandchildren
Any relative living with you
Immediate family also includes the spouse of anyone listed above.
*This exclusion is not included for Arizona.
This policy will not pay for a diagnosis of a listed critical illness that is made before the covered person's Critical Illness effective date with Guardian.
A pre-existing condition includes any condition for which an employee, in the specified period of time prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs.
Benefits for the second occurrence (recurrence) of that same illness will be available only if the illness occurs again after a period of at least 6 months in a row during which: 1) This coverage was in place without interruption; 2) No symptoms were exhibited; 3) No care or treatment was received for the illness. For the purposes of this limitation, care or treatment doesn’t include preventive medications taken in the absence of disease. Care or treatment also doesn’t include any routine, regularly scheduled follow-up visits with a physician.
In New York, Critical Illness is referred to as Specified Disease.
