[Graphic of Guardian logo]

More than a paycheck

Discover the importance of disability income protection

Always plan for the unexpected

Your income provides the means to pay your bills:

[Graphic of home, car, credit card, groceries, education with a checkmark underneath each]

You insure your valuable assets.

Make sure you also protect your income.

[Graphic of smaller dollar bill turning into a larger dollar bill]

Income of $75,000 per year times 40 years equals $3 million of income

Factor in modest raises, and that number balloons to more than $5.6 million

[Arrow drawn from $3 million to $5.6 million]

Know the facts

[Graphic of four men in suits with three men in suits faded out]

1 in 4 20-year-olds will become disabled before they retire¹

Almost 90% of long-term disabilities are caused by illness²

Accidents only make up about 10%²

[Graphic of a thermometer with a circle border 90% filled in to demonstrate 90%]

83% of Americans prioritize protecting family if they couldn’t work

[Graphic of bar 83% full]

Yet only 23% understand disability insurance³

[Graphic of bar 23% full]

71% of Americans worry about not having enough to cover regular expenses⁴

But preparing for an unexpected event like a disability can make all the difference

[Graphic of a wallet with money sticking out with a circle border 71% filled to demonstrate 71%]

Explore your options

[Graphic of the number one]

Government benefits

Social Security

• Usually for permanent, catastrophic disabilities
• Difficult to obtain
• Averages about $1,000 per month

[Graphic of the number two]Basic Protection

Group disability coverage

• May be offered by your employer
• Isn’t portable, so you’ll lose coverage if you leave your job
• Typically taxable, which reduces benefits to around 40% of income
• Usually doesn’t provide coverage for bonuses or commissions

[Graphic of the number three]

Robust, customizable protection

Individual disability income insurance

• Includes individual and supplemental options
• Stays with you wherever you work, whomever you work for
• Tailored to you and how you earn your income
• Can pay benefits even if you’re still able to work part time
• Helps cover the gap left by basic coverage

The bottom line: Income protection helps you and your family better prepare for the unexpected. That’s one less “what if?” in life.

Talk to your local Guardian representative today to learn more.

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of and administrator for The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian. Product provisions and availability may vary by state.

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

© Copyright 2021 The Guardian Life Insurance Company of America.

1 Source: Social Security Administration Fact Sheet, December 2019.

2 Source: Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability.

3 Source: Guardian’s Living Confidently Survey, 2017.

4 Source: Pew Charitable Trusts, Americans’ Financial Security, March 2015.

PUB8547WEBP (03/21) 2021-115875 (Exp. 03/23)