Guardian Disability Insurance Application
Apply for a Guardian individual disability insurance policy. This is not for claims.
The application package includes a Guardian disability insurance application form, a HIPAA medical release authorization, Insurance Information Practices, and Agreement to Conduct Business Electronically.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
icc18-DI-2018
Will I qualify?
This application is for healthy, actively at work individuals seeking to acquire a policy. If you have a reason to believe that qualifying might be a challenge, submit your application anyway - or just call - and you will receive an informal assessment of what to expect and any forseeable challenges before it officially enters the system. You can count on this soon after you submit your application as a matter of standard process. Preliminary assessments are also called "field underwriting" and are off the record. The carrier depends on the agent to work out forseeable issues ahead of time in order to minimize wastage.
If you're looking to collect benefits now, you need to have already acquired a Guardian policy and get a claim rolling with the claims department. If that's you, call Guardian's claims hotline at (888) 275 7473 and have your policy number handy.
Medical Questions
Get a sneak peek of the medical questions and talk about them informally with your agent to get an indication of probable outcome. There is no need to fill this out. Later in the process, you will be asked to complete this online or by telephone.
Evidence of earnings might be requested
A copy of a recent paystub or tax returns might be requested to validate stated earnings on the application. This is because the insurer wants to avoid issuing a policy that is oversized relative to earnings. If you are hoping for a policy with a benefit greater than $6,000 per month, the odds of such a request are high.
Whether financial documentation will be necessary requires a review of your application because it depends on your application history, the nature of your occupation, your employment stability, the amount of monthly benefit you might like, and more. For now, the important thing is to know this might be coming.
How Long Does It Take to Get a Policy?
For standard applications, it takes 4 to 8 weeks to get a policy, depending on whether medical records and/or an exam will be necessary. This will be based on the application form, medical questions, your age, and what you are applying for.
For rush applications, the process can be much faster but it only works when the insurer is not being asked to take on a lot of risk. An agent assessment is required to determine if streamlined processing is possible, explain any constraints, and set expectations.