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New Disability Income Insurance Options Provide More Choice for California's Small Business Owners
Date:12/3/2009

y, even if a major player experiences an unforeseen disability."

The new worksite disability program is also a major breakthrough, according to Hagedorn, because of its flexibility and portability. The new program, known as DI@Work(TM), provides access to high-quality coverage at discounted rates, with no medical underwriting restrictions. Unlike standard group long-term disability (LTD) plans, employees own their policies -- policies that don't include benefit caps based on an overall group's risk assessment. Plus, they can even take the policy with them should they leave the company.

The DI@Work program can be customized with a variety of value-added features(2) including:

  • Annual cost-of-living increases;
  • Waiver of premiums for up to 12 months if the policy owner becomes unemployed;
  • Additional coverage to help protect employee contributions to an employer-sponsored retirement plan, as well as the employer match.

In addition, the program can be designed to cover incentive compensation or bonuses often left out of many group LTD plans, helping to protect these important sources of income for many highly compensated employees.

"Today's employees are more discerning about their benefits packages," observed Guardian's Hagedorn. "In an uncertain economy, Americans understand how critical their ability to earn an income is to their quality of life. To them, disability income insurance is no longer a luxury, and companies that can help their employees address this concern will definitely have a leg up on the competition."

Guardian's agencies in California -- with locations in Claremont, Los Angeles, Pasadena, Sacramento, San Diego, San Jose, Santa Rosa and Walnut Creek -- are staffed with at least one Disability Insurance Specialist, who provides local support and service for individual disability income insurance cases. The disability income insurance products described in t
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SOURCE The Guardian Life Insurance Company of America
Copyright©2009 PR Newswire.
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