Life & Disability home Traditional LIFE & DISABILITY Basic Life & AD&D Short-term Disability Long-term Disablity Guardian provides basic life and AD&D Guardian provides short-term disability Guardian provides long-term disability (LTD) insurance to all eligible employees at no (STD) to all eligible employees at no cost to to all eligible employees at no cost to you. cost to you. The benefit pays 2x your you. In the event you are disabled, STD LTD replaces 60% of your monthly pre- annual basic earnings up to a maximum of replaces 60% of your weekly pre-disability disability earnings up to a maximum of $400,000. This benefit reduces beginning earnings up to a maximum of $2,500 per $12,000 per month. Benefits begin on the at age 70 week 91st day of disability