A group disability insurer has responded to employer interest in flexible benefits options.

Guardian Life Insurance Company of America, New York, has introduced a family of new voluntary long-term disability products and “buy-up” LTD products.

The LTD program gives employers the ability to combine core employer-paid coverage with voluntary, employee-paid supplemental coverage, according to Guardian, New York.

Guardian says it also has introduced a billing format that will simplify the process of deducting employees’ payments from the payroll, and it has developed a booklet that will explain all voluntary LTD options and buy-ups available for each class of employees.

Employees can use buy-ups to adjust the elimination period, the benefit period duration and the benefit payment amount.