Guaranteed Issue Group Disability Insurance (No Medical Underwriting Explained)

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Guaranteed issue group disability insurance is one of the simplest ways for employers to provide real income protection—without the medical underwriting hurdles that come with individual disability insurance. In most cases, eligible employees can enroll with no health questions (or very limited questions), making coverage easier to qualify for and easier to implement.

In this video, we break down how guaranteed issue group disability works, who it’s best for, and what to watch for when setting up a plan.

✅ What “guaranteed issue” means in group disability coverage
✅ How group disability works for employers and employees
✅ Short-term disability vs. long-term disability (and which one matters most)
✅ Why guaranteed issue can be a game-changer for employees with health history
✅ Who typically qualifies and how participation requirements work
✅ Common plan features (benefit amounts, elimination periods, benefit periods)
✅ Tax treatment (employer-paid vs. employee-paid premiums)
✅ Common mistakes employers make when selecting coverage
✅ How to design a plan that protects payroll and supports retention

Want help setting up guaranteed issue group disability for your business?

At Diversified Insurance Brokers, our advisors help employers nationwide build group disability plans that are cost-effective, easy to implement, and designed around real payroll needs.

✅ Compare carriers and plan designs
✅ Customize benefits for your employee classes
✅ Avoid gaps that leave employees underinsured

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