Employers & Employees

Empowering Employers, Supporting Employees: Insurance Solutions Tailored to Your Needs

At Pacific Guardian Life, we provide comprehensive insurance solutions designed to benefit both employers and employees alike. Our services are tailored to meet the evolving needs of modern workplaces, ensuring that your insurance coverage grows seamlessly alongside your company.

Employee Benefits

Learn how to submit Temporary Disability Insurance (TDI) claims online, making the process quick and convenient for you. We’re here to support you through every step, ensuring you receive the care you need when you need it.

Submit a New TDI Claim Online

Claimants, employers, and doctors can all complete their portion of the TDI claim using our quick and easy online process.

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Benefits for Employees

Scalable, customizable employee insurance solutions that grow alongside your company.

Temporary Disability Insurance (TDI)

Employees who have lost wages due to off-the-job sickness or injury can use this wage replacement program to partially replace their lost wages. With few exceptions, all employers in Hawaii with one or more employees (full-time, part-time, or temporary) are required to provide disability benefits for their employees.

For Employees

  • Reliable income source during off-the-job sickness or injury
  • Covers pregnancy related disabilities

For Employers

  • Satisfies state requirements for TDI
  • Supports employees experiencing financial difficulties due to off-the-job illness or injury
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Benefits for Employers

Offer the security of a plan to key and executive personnel while protecting your business from the unexpected.

Key Person Life Insurance

In the event that an employee who is vital to the continued success of your business should pass away, this solution offers compensation for their loss. The employer owns and is the beneficiary of the policy, paying the life insurance premium that insures the key person’s life and, upon their passing, receives the life insurance death benefit.

Benefits

  • Offsets the cost of replacing the key person
  • Strengthens the business’ credit by assuring creditors the business will continue
  • Provides the business with cash value through the policy that can be easily accessed
  • Death benefits received are treated as tax-free income
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Executive Bonus Life Insurance

This solution allows you to provide a key employee or business owner with life insurance as a bonus. The employer pays the premium while the key employee or business owner only pays the income tax on the bonus and retains all rights to the policy.

Benefits

  • Attracts, retains, and rewards key employees
  • No IRS approval needed
  • No administration needed
  • Premiums are deductible as compensation to employees
  • Bonus is considered wages
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Frequently Asked Questions

What type of coverage do I need for my business?

For most employers in Hawaii who have one or more full-time, part-time, or temporary employees, a Temporary Disability Insurance (TDI) policy is required for your employees. This type of insurance covers some of an employee’s wages lost due to off-the-job sickness, injury, or pregnancy.

Pacific Guardian Life offers TDI to employers insuring employees residing in Hawaii; this plan may not be available to employees residing on the U.S. continent. Pacific Guardian Life makes no representations regarding an employer’s legal obligations under Federal or State employment and other applicable laws. Employers should contact their legal advisors for further information and advice regarding compliance with such laws. Pacific Guardian Life plans comply with applicable state laws.

How do I get a quote for temporary disability insurance?

Contact your business insurance Agent, Broker or Benefits Consultant for a quote. Feel free to contact a PGL representative anytime for more information.

How do I log in to the TDI billing portal?

If you requested to register for the service, you were provided a welcome email from [email protected] which provided a temporary password and a link to Pono ‘Oe, our payment portal.  If you forgot your password, click on ‘FORGOT PASSWORD’ and you will be sent a new temporary password. 

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Resources

Need to Submit a Temporary Disability Insurance Claim?

Learn how to submit a claim form for your employee’s temporary disability insurance.