Ameritas vs Guardian

Ameritas's individual disability insurance products include the DInamic Fundamental Policy and the DInamic Foundation Policy. Unlike typical disability insurance options, the DInamic Fundamental policy pays out a single lump sum for the benefit instead of a monthly benefit for a set period of time.

The DInamic Foundation policy stands out for the coverage it offers. It helps pay COBRA health insurance costs and helps cover treatment costs for non-disabling injuries. These features aren't common in the industry, so they make Ameritas an advantageous choice.

The DInamic Foundation policy also offers the common social insurance (e.g. integrate policy with Social Security disability benefits) and student loan repayment optional riders.

Guardian's individual disability policies stand out because they can include a hospice care benefit, unemployment premium suspension, and occupational rehabilitation. The hospice care benefit allows you to receive benefits sooner. 

The unemployment premium suspension allows you to pause coverage and payments while unemployed without losing your policy, which is advantageous because it removes the hassle of applying and being accepted for a new policy.

The occupational rehabilitation feature is similar to support programs and features offered in group plans. It helps pay costs for rehabilitation and work modifications to help you return to work.

You can also find common riders for the industry with Guardian's individual insurance policies, including social insurance, student loan protection, and protection against inflation.

Guardian and Ameritas both offer group disability insurance policies. Employees may be able to keep Guardian's short-term policies even if they change employers.

Ameritas also offers disability insurance policies designed to meet business owners' needs including overhead expense and salary continuation insurance.

If you're a business owner with specific needs, Ameritas is worth considering further because it offers overhead expense and salary continuation insurance. 

Both Guardian and Ameritas are good options for employers interested in offering group disability insurance to employees. However, you'll need to work directly with either company to learn more specifics about policy features and costs.

Ameritas and Guardian have different offerings for individual disability insurance. If you're interested in a single lump sum payment instead of a monthly benefit, Ameritas's DInamic Fundamental policy is worth considering.

If you want a policy that includes an additional benefit to cover COBRA costs and offers coverage for treatment for non-disabling injuries, Ameritas's DInamic Foundation policy is worth exploring further.

Guardian's individual disability insurance offers different features. If you're more interested in a hospice care benefit, retaining your policy while unemployed, or coverage for occupational rehabilitation, Guardian's policies may be a better fit.