There are two basic categories of discounts: Multi-Person and Employer Sponsored
| Part One: Multi-Person (Gender Distinct Discounted Rates) |
| A: Association Group Discount | B: Professional Group Discount | C: Student and Resident Discount |
| Part Two: Employer Sponsored (Gender Neutral Discounted Rates) |
| A: Qualified Sick Pay Program | B: Quick Employer Sponsored FAQ |
Multi-Person Discounts: 10% discount off of the regular (gender specific) male or female rate
Association Discount Program: offered to approved associations who endorse disability income products offered by Guardian. 10% discount.
Professional Group Discount Program: Three lives minimum are required and all must be employed by the same employer. No sponsorship is required just three lives issued within a 6 month day period with the same employer. 10% discount. Note: In order for employees to qualify for this discount, they must work at the same location. Employees with the same employer but working in different offices would be subject to separate professional group discount programs.
Student and Resident Discount Program: Established for select schools and residency programs where the school or residency program endorses disability products offered by Guardian. 10% discount.
Employer Sponsored: Gender neutral rates
Qualified Sick Pay Program (QSPP): Under this discount program the employer funds 100% of the premiums for the disability coverage. Policies are issued with gender neutral rates with an additional 25% discount. Policies sold are list billed to the employer.
