What You Need to Know about Guardian
Plans & Benefits
Guardian plans are available for groups with 2-49 employees. Dental plans are available for quoting in bpQuote. Please contact a member of your B&P Sales Team for quotes with additional lines of coverage and discounts.
Dental
- One of the largest dental networks nationwide with 360,800+ total locations
- No waiting period for groups with 5+ employees
- Implants for groups with 2+ employees
- Maximum Rollover on all plans
Vision
- Flexible copay and frequency options
- Two provider networks
- VSP: 58,000 access points
- Davis Vision: 44,000 access points
Offer big company benefits to small business clients including the following Guaranteed Issue* amounts for groups under 10 employees:
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2-4 Employees Life: $50,000 STD: $1,500 per week LTD: $2,500 per month
5-9 Employees Life: $100,000 STD: $1,500 per week LTD: $6,000 per month
Groups with 10-49 Employees can receive other generous Guaranteed Issue amounts.
*Guaranteed Issue is subject to the employer level health questions on the Master Application.
Multi-Line Discounts
Sell multiple lines of coverage with Guardian and combine discounts:
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2-24 Employees: save 4% per line after the 1st line 25-49 Employees: save 2% per line after the 1st line
A group with 20 employees that purchases Dental will save 4% by adding Vision and another 4% by adding Life for a total of 8% savings on all lines of coverage.
In addition to Guardian's Multi-Line Discounts, a comprehensive Employee Assistance Program (EAP), WorkLifeMatters, is free for employers who offer three or more qualified lines of coverage.
Financial Rating
Financial strength is important when it comes to Life & Disability benefits, some claims may last for decades, know your clients are in good hands with Guardian's outstanding ratings:
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A.M Best: A++ Standard & Poor's: AA+ Moody's: Aa2 Fitch: AA+
Guardian Insights
Guardian's Fourth Annual Workplace Benefits Study takes a look at the well-being of working Americans. Workers with employer-sponsored benefits scored higher in Guardian's Workforce Well-Being Index than those without employer-sponsored benefits or with limited non-medical benefits.
Please contact any member of your B&P Sales Team for assistance with your 2017 Guardian business.