Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?

Asked on June 25th 2019 by Kate
Four months ago I had tongue cancer, went through surgery and radiation. I lost my speech due to surgery and Guardian approved my claim. A letter was sent to me stating “you are eligible for Presumptive Total Disability” and my waiting period was waived and refunded. This month, an EOB was attached asking me to fill out a questionaire regarding how I’m doing and a form for my oncologist to fill out. My question is, being deemed eligible for Presumptive Total Disability, do I still need to turn in these requests? Isn’t Presumptive Total Disability means you’re presumed to be disabled for life?


Answered on June 25th 2019 by Attorney Cesar Gavidia

Kate, it is common for benefit checks to be accompanied with claim forms as a matter of course. You can make inquiry to Guardian to see if they do need to be completed, as sometimes they do not. That being said, even with a Presumptive Total Disability, Guardian can still request an update as to your treatment and status – so if they want the forms completed, we would recommend you do.

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Guardian Reviews

Policy Holder Rating

1.6 out of 5
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Timely Payments
1.9out of 5
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2.4out of 5
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1.9out of 5
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Showing 8 of 17 Reviews

Guardian not being flexible during Covid

Reviewed by Robert W. on April 13th 2020   Verified Policyholder
Guardian denied my LTD due to doctor’s office not sending medical records quickly due to office closed because of Corona virus. There was nothing that I could do to get ... read more >
Sent on April 13th 2020 by Attorney Gregory Dell

Robert, this is very unfortunate and sad to hear. You would think that Guardian might understand that the great majority of the country is “shut down” and getting d... read more >


Guardian thinks people with lupus miraculously recover

Reviewed by Virginia Z on March 20th 2020   Verified Policyholder
I became disabled in 2018 (Lupus and Sjogren’s). I’m 54 and I worked over 30 years (for the government) before I became disabled. I received Guardian STD and then LTD ... read more >
Sent on March 20th 2020 by Attorney Jay Symonds

Virginia: This is a very unfortunate situation they’ve put you in. You should request in writing an extension of time to submit the information and documentation. You... read more >


Stress over Guardian caused my heart attack

Reviewed by Kate on September 20th 2017   Verified Policyholder
All of a sudden (after 12 years), Guardian LTD is sending more and more paperwork – especially after someone stole my identity and filed taxes in my name. The IRS knows ... read more >
Sent on September 20th 2017 by Attorney Stephen Jessup

Kate, please contact our office to discuss your claim in greater detail with one of our disability insurance attorneys.


The IRS should know that Guardian refuses to send my W-2 form

Reviewed by James R. on May 19th 2017   Verified Policyholder
I have received Long Term Disability through Guardian. They cut off my checks in July of last year. I appealed their denial and won. Now I am fighting them to get my W-2 f... read more >
Sent on May 19th 2017 by Attorney Rachel Alters

James, have you made your request in writing? Also, is your benefit taxable? If it is not, Guardian would likely not send anything.


Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.

Reviewed by Blanca D. on March 17th 2017   Verified Policyholder
My husband was disagnosed with a long term debility in October 2016. In March 2017, Guardian sent him a form that said his doctor saw him on march 3, 2017 and cleared hi... read more >
Sent on March 17th 2017 by Attorney Stephen Jessup

Blanca, if your husband’s claim has been denied he will need to go through the administrative appeal process. Please feel free to contact our office to discuss his cl... read more >


Guardian has built-in denial for self-employed individuals

Reviewed by Vinny G. on January 23rd 2017   Verified Policyholder
I have had a non employer Guardian LTD policy since 1991. It is for full disability. I have never had a need for it. Now that I do, I am finding they are doing all they ca... read more >
Sent on January 23rd 2017 by Attorney Cesar Gavidia

Vinny, we would need to review your policy and all the correspondence from Guardian to determine how we may be able to assist you. Please feel free to contact our offic... read more >


Guardian has the least helpful folks I have ever met

Reviewed by Jaye W. on December 7th 2016   Verified Policyholder
Trying to get my husband’s short term debility started after a heart attack. I don’t understand their process for collecting information and making a decision about hi... read more >
Sent on December 7th 2016 by Attorney Stephen Jessup

Jaye, please feel free to contact our office to discuss your husband’s claim.


If you work for a company who offers Guardian, tell them NO and get a non ERISA provider. Guardian lied about my options and then tried to tell me I'm not disabled

Reviewed by Bill on July 11th 2016   Verified Policyholder
I have been disabled for 15 years or so… The Guardian compelled me to apply for SSDI benefits to offset Guardian liability.. The Guardian even retained the atty… I won... read more >
Sent on July 11th 2016 by Attorney Gregory Dell

Bill, have you appealed the denial? Please contact our office to discuss your denial and to determine how we may be able to assist you.

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Q: Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?

Answered on June 25th 2019 by Attorney Cesar Gavidia
A: Kate, it is common for benefit checks to be accompanied with claim forms as a matter of course. You can make i... Read More >

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