How do I submit a disability claim?

Short Term Disability

You can file a Short Term Disability (STD) claim either online or by completing a paper claim form.

Online process

When filing a disability claim online, you must complete the online form and provide authorization for your provider to release medical information to Guardian.

Note: Claims can be submitted after the disability begins or up to 14 days before the disability begins.

1. Log in to Guardian Anytime. For details, refer to: As a member, how do I register for Guardian Anytime?

2. From the menu, select one of the following. Not all plans have all options.

   • Click Absences then My Leave then Plan an Absence then Leave of absence.

   • Click Absences then Absences dashboard then Plan an Absence then Leave of absence.

   • Click Claims then Submit a claim then Short Term Disability.

3. Complete the online form. If the form doesn't appear, follow the instructions below for the Paper claim process.

4. After submitting the claim, you must provide authorization for Guardian to contact your provider.

   1. Complete the Authorization to Obtain Information form.

   2. Give the form to your provider.

   3. Scan and upload the form using the Guardian Anytime Secure Channel link.

Paper claim process

When filing a Disability claim on paper, you must submit the claim form to Guardian and provide authorization for your provider to release medical information to Guardian.

1. Click the appropriate link in the chart below to access and print the claim form.

   Claim Form List

   State	Form Name	Form Number
   New York	NY State Mandated Disability Claim Form with Statement of Rights	DB450-DB271S
   New Jersey	New Jersey State Mandated Disability Claim Form	NJTBDDS1
   All other states	Group Short Term Disability Claim Form	GG-011096

2. Complete the claim form.

3. Complete the Authorization to Obtain Information form.

4. Submit both the claim and the authorization form by one of the following methods.

   Paper Claim Submission Methods

   Method	Details
   Online	Scan and upload the forms using the Guardian Anytime Secure Channel link.
   Email	Submit the completed forms to the appropriate email address. New York and New Jersey: [e-mail] All other states: [e-mail]
   Mail or Fax	Submit the completed forms to the address or fax number indicated on the claim form.

Long Term Disability

An LTD claim can be submitted in any of the following ways.

• You can transition from Short Term Disability to Long Term Disability if you have both STD and LTD benefits with Guardian. For details, refer to How do I transition from Short Term Disability (STD) / State Mandated Disability (SMD) to Long Term Disability (LTD) benefits?

• You can complete the Application for Long Term Disability Income Benefits claim form and send it using one of the following methods.

  LTD Claim Form Submission Methods

  Method	Details
  Online	Scan it and upload it using the Guardian Anytime Secure Channel link.
  Email	Email it to [e-mail].
  Mail or Fax	Send it to the address or fax number listed on the claim form.

Note

• If there is any outstanding information required to process the claim, we will contact the appropriate party (member, employer or physician). We will reach out for this information twice. It is your responsibility to follow-up to ensure the information is provided to us.

• Payments are issued once a month and cover a 30-consecutive day period.