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Coverage checkup

Is disability coverage from your employer enough?

If your paycheck stops because illness or injury keeps you from working, your group coverage may actually only replace about 40% of your income, leaving you with a shortage, or “coverage gap.”

[Graphic of a dollar bill with gray lines stacked underneath, and blue lines stacked underneath the gray lines. An arrow points from the bottom blue lines to the words “group coverage.” An arrow points from the top gray lines to the words “coverage gap.”]

Other factors to consider:

1. Bonuses, commissions, and incentives may not be covered.
2. Leave your job, lose your coverage. Group policies aren’t usually portable.
3. If your employer pays your premiums, your benefits are taxed.

Individually owned disability coverage can fill the gap.

[Graphic of a dollar bill with a checkmark in the bottom-right corner.] Customizable to cover more of your income.

[Graphic of two human heads and torsos with an arrow pointing from one to the other.] Portable, so you’re covered even if you change jobs.

[Graphic of wallet with dollar bill protruding from top.] Nontaxable if paid with after-tax dollars.

[Graphic of blue circle labeled “Group coverage,” followed by a plus sign, followed by graphic of green circle labeled “Individual coverage,” followed by an equals sign, followed by graphic of navy circle labeled “Better protection.”]

Consider how individual disability insurance can protect what’s most important to you.

Individual disability income products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product provisions and availability may vary by state. This flyer is provided for informational purposes only and should not be considered tax or legal advice. You should consult with your own independent tax and legal advisors regarding your individual situation, including the tax treatment of the policy and policy benefits.

Guardian® is a registered trademark of The Guardian Life Insurance Company of America.

© Copyright 2023 The Guardian Life Insurance Company of America.

PUB4812BL-WEB (02/23) | 2021-140863 (Exp. 02/25)