Guardian Life Insurance Disability Claims
Our team supports claimants with Guardian short-term disability (“STD”) and long-term disability (“LTD”) claims, advocating for fair treatment in claims involving injuries, mental health, or chronic conditions.
General Claims Process
Initial applications include the submission of claim forms with medical and vocational details, along with supporting information from your treating doctor. Guardian then reviews your claim for eligibility, often requesting more information or even an Independent Medical Examination (“IME”). Decisions are not immediate and guidelines for prompt decisions are not always followed. If your claim is denied, appeals must usually be submitted within 180 days with enhanced evidence focused on rebutting the reasons for the denial.

Guardian reviews may also include clinical reviews by an in-house medical practitioner, or a referral to a moonlighting physician hired by Guardian to review your records and render medical opinions (without ever seeing or examining you). Denials can be appealed with additional support but must be submitted timely – usually within 180 days - or all rights to further contest the denial are waived.
Unique Facts and Challenges
Guardian covers top disabilities like certain musculoskeletal issues and cancer, but denials are common for alleged insufficient evidence or non-covered conditions.
Claimants often encounter confusing communication and burdensome paperwork, leading to stress.
A unique aspect is their focus on timely submissions, where delays trigger automatic denials.
We strive for comprehensive filings to avoid these pitfalls. Contact our firm to fortify your Guardian appeal and recover benefits.
