How Your Disability Insurance Policy Works
A Practical Waiting Period
On the date you're unable to work due to illness or injury, your 90-day waiting period begins. When the waiting period is exhausted, benefits commence.
Your policy pays TAX-FREE* disability insurance benefits directly to you. Your benefit is roughly 80% of your take home pay.
Flexible Benefit Periods
Your benefits continue until you recover or until your benefit period is exhausted. Choose from 3 benefit periods.
All policies are underwritten by National Guardian Life Insurance Company and marketed by DIonDEMAND.
Insurance provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life. Policy form ICC15-NIDI 0715.