Benefits Portal

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Benefits at a glance

Kaiser

Great coverage on a Staff Model HMO. Your facility is chosen by its proximity to your residence.

PPO and HMO coverage within one of the largest networks in California.

Wondering what the cost is to insure yourself outside of work?

Click the button to the left for an individual quote.

Who are they ?

A mutual insurer founded in 1860, The Guardian Life Insurance Company of America and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long-term care, disability income, group medical and dental insurance products, and offer 401(k), annuities and other financial products. Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 120,000 companies. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

The Guardian Multi-Coverage Plan enables employers with three or more employees to choose from a variety of different lines of coverage and benefit levels at a single rate. Packages can include a combination of long-term disability, short-term disability, life, accidental death and dismemberment and critical illness coverage. The plan gives employers the flexibility to choose which benefit combination is right for their company, and gives employees benefits coverage with a simple enrollment process under a single rate.

“Voluntary multi-coverage plans are gaining in popularity because they give employers a comprehensive employee benefit package option to help attract and retain employees while being budget-friendly,” said Barry Petruzzi, 2nd Vice President, Life & Disability, Guardian. “These bundled plans make it easier to select, enroll, and administer, and are especially helpful to businesses that are offering benefits coverage to their employees for the first time. With one rate, these plans take the stress off the employer and limit the administrative burden that comes with offering different options at different coverage levels and price points.”

No Coverage

Anthem Blue Cross

Medical Insurance?

What about Guardian?

Your Benefits

Employees generally under estimate the value of the benefits that they are able to receive through their employer. Many times the cost is the biggest factor and reason for why employees choose not to sign up for their ancillary benefits. However,  these ancillary benefits are often the most affordable ways to obtain coverage even when the employer is unable to contribute to the plans themselves.

Every employee should take an advantage in enrolling in the ancillary benefits, because often these benefits are not obtainable on the individual market. For the benefits that are obtainable , they  often require a level of underwriting, or provide scaled back benefits and eliminate the ability to deduct these benefits from their paychecks.

Therefore, there is absolutely no reason why employees shouldn’t take a look at all the optional additional benefits, because chances are they  could pass up the opportunity to enroll in valuable coverage that each & every employee could benefit from.

Why do employer’s choose Guardian?