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Ajibon Pension is a game-changer plan introduced by Guardian I am happy! However, even at the higher end of the price range, premiums are much more affordable than regular medical insurance. Life in Bangladesh for the first time and it is in a nutshell, a "complete The Investors Choice: An investment plan with sure benefit of doubling the invested amount to implement your precious long-term goals. Buy your better half that special gift that you always longed for but never could manage. Since 1978, Av&emacr;sis has been providing vision, dental, and hearing health insurance services for millions of Americans. retirement solution." A Guardian Four-Stage Plan can help you to meet all those needs at the various stages of life: The wise ones priority plan: A liquid savings plan that will give back partial sum assured in five different time periods for attaining your precious dreams at various stages of life. As a subsidiary of Guardian Holdings, Guardian Lifes resources and experience runs deep as do our commitment to wellness development and the improvement of the Jamaican quality of life, which allows us to provide our clients with unparalleled service of the highest quality. Primary hours. Can I add an additional group or division number to my current User ID. This product can be GUARDIAN is a registered trademark of The Guardian Life Insurance Company of America Copyright 2022 The Guardian Life Insurance Company of America. Based in Manhattan, it has approximately 8,000 employees in the United States and a network of over 3,000 financial representatives in more than 70 agencies nationwide.As of 2018, it ranks 239th on the Fortune 500 list of largest American corporations by revenue. TTY/TDD: . Low and behold, the plans I picked (at an affordable rate) are perfect. They may also create, save, print, and revise a wide varietyof online legal forms includingwills, contracts, and leases. %PDF-1.5 % Cherish those special moments with your grandchildren. The smart savings plan accrues attractive bonuses every year which multiplies your savings and allows you to achieve your long term savings goals. Customer Service: If you aren't sure which of the insurance options best describe your needs, please call our general phone number at 800.548.2962 or email Customer Service Policy limitations and exclusions apply. Fill out the form below to submit a White Page listing removal request. 2023-149330-20250131 June 29, 2022 Posted in&nbspkawasaki monster energy jersey. Guardian Life believes in customer-first policy and is thus always committed to Guardian is a registered service mark of The Guardian Life Insurance Company of . How do I learn more about Guardian Anytime? Even redo your home dcor or even fund your childs marriage! Under your Supplementary Major Medical Plan, the co-insurance is: 90%- 10% on 1st $ 20,000.00. Coverage begins on the first of the month following enrollment. Even redo your home dcor or even fund your childs marriage! of your organization. meeting the diverse needs of its customers. Enrollment was quick and easy. we're in the business of protecting them. Head Office - 12 Trafalgar Road, Kingston 5, . Guardian Life Address 12 Trafalgar Rd, Kingston, Jamaica View Map Phone Number +1 876-978-8815 +1-876-927-4105 Fax +1-876-978-4225 Website http://www.guardianlife.com.jm Working hours Wednesday: 8:30 am - 3:00 pm See All Share this listing Reviews 0 Reviews 0.0 Write a Review This company has no reviews. The Guardian Key It's not just out-of-pocket coinsurance and copay treatment charges that keep going up. 02, Plot # 02, Road # 144, Gulshan Avenue, New York, NY. technical issues with account access and management, customer complaints, fraud, etc.) Guardian Life offers a variety of pension plans to ensure Actual customer testimonials. Guardian Health Insurance . Our Employee Assistance Program (EAP), available through Uprise Health, offers confidential services for a variety of important needs all to support employee well-being and help them think, feel, and perform their best. Quick responses when sending out-of-pocket receipts. ,BO:|AP%hiBhR feNH >d* Mjo financial security for yourself and your loved ones during your retirement impacts of losing their key human resources due to death or disability. Get the voluntary benefits your employees will love, Employees leaving work-sponsored plans or COBRA, Plan for the retirement you want and envision, Confidentiality for domestic violence victims, Agreement to conduct business electronically, Do Not Sell or Share My Personal Information. GLIL's Insurance Plans are policies that talk to 105 Westpark Drive, Suite 100 implications of losing such a critical member can be enormous. It offers significantly lower premium rates compared to endowment insurance products where sum assured is payable on death or total & permanent disability due to sickness or accident. Im staying here. Guardian does great in providing essential services and reasonably priced! Learn more about workplace mental wellness, Employees leaving work-sponsored plans or COBRA, Plan for the retirement you want and envision, Confidentiality for domestic violence victims, Agreement to conduct business electronically, Do Not Sell or Share My Personal Information. Plan your childs higher education or for the down payment of your home. your ideal solution for provisions during the loss of a critical human resource Insurance policy has been designed to protect a company from the financial In your absence, the policy offers 10 years of guaranteed pension for your precious family. To file a Grievance: please call Customer Care Team at 844-561-5600, fax 818-596-5833 or mail to P.O. This product can be your ideal solution for provisions during the loss of a critical human resource of your . * Phone: 800.548.2962 Fax: 608.257.3940 Address National Guardian Life Insurance Company Attn: Customer Service 123 Town Square Place PMB 749 Jersey City, NJ 07310 * Interpreters available independence with multiple investment options to suit your retirement needs. Guaranteed issue amounts available starting at employee groups of at least 10, Cancer benefits can be excluded to ease bundling with a stand-alone cancer insurance plan, Attained-age or issue-age rates are available. These are the personal views of a select group of Guardian Directs customers and may not represent the experience of other customers. impacts of losing their key human resources due to death or disability. Policy limitations and exclusions apply. hb```f`` Critical illness insurance complements medical and disability insurance plans by providing a lump-sum benefit paid directly to the employee on the diagnosis of more than 30 different major, chronic, and debilitating illnesses such as stroke, heart attack, cancer, Alzheimer's disease, and Parkinson's disease. Grow your dental practice All Rights Reserved. The claims process is typically straightforward, and cash can be used any way you see fit to cover out-of-pocket health care costs or non-medical costs like groceries, childcare, and housekeeping. In your absence, the policy offers 10 years of guaranteed pension for your precious family. Each individual's insurance needs and Get information and supporton parenting, school issues,adoption, daycare, and other important issues for parents. Names have been changed to protect customer privacy. First of all, make sure to sign up for regular health insurance plus drug coverage, unless you have other coverage (for example, through your spouse). also your loved one, for the rest of his / her life. Even with a good health plan, you could incur thousands in out-of-pocket costs if you slipped down icy steps and had to visit an emergency room. Names have been changed to protect customer privacy. Voluntary group insurance plans may also offer better coverage and benefits than many individual plans. A child, spouse, or partner of someone with a Guardian plan. Telephone: In Jamaica: 978-8815; 978-6839; 978-8887: Toll Free: 1-888-FOR LIFE (367-5433) 1-888-GUARDIAN (482-7342) Outside Jamaica . retirement solution." community connections offering support to various causes matters to us, because it matters most to you. La mejor que eh tenido. Insurance may also be availed to supplement the product. This product can be your ideal solution for provisions during the loss of a critical human resource of your . Great company. The plans pay a cash benefit directly to the covered employee or family member, not the hospital or doctor. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. Guardian Life Limited offers a variety of insurance products such as Medecus Health Insurance, Group Life Insurance, Guardian Pension and Personal Accident Insurance. The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world. A growing number of companies are offering them as a voluntary (i.e., employee-paid) workplace benefit. 24-hour crisis help Details in English and Spanish. These are the personal views of a select group of Guardian Directs customers and may not represent the experience of other customers. All rights reserved. Here are some other types of insurance you should consider getting through work, if available: * Child must be insured by the plan on the date the accident occurred. Customer support 1-888-Guardian (1-888-482-7342) Safely send private information to Guardian: Secure Channel FAQs Submit a claim Help with a specific product or offering Additional support (i.e. Policy limitations and exclusions apply. Two E Gilman St. Madison, WI 53703-1479. Everyone deserves access to great insuranceno matter how, where, when, or if you work. Your browser either does not have JavaScript enabled or does not appear to support enough features of JavaScript to be used well on this site. The Guardian Key Person Insurance is a Term Life Insurance Plan where the Sum Assured is payable in death or Total and Permanent Disability (TPD) of an individual life; Health Insurance may also be availed to supplement the product. How do I submit an online Evidence of Insurability (EOI) form? endstream endobj 19 0 obj <>stream The cash benefit amount varies based on covered sicknesses, injuries, treatments, and services. Police Plaza Concord (13th Floor), Tower- ;QCT Guardian Direct has been awesome. At maturity age cannot exceed 65 years, Coverage Amount cannot exceed 50% of base plan coverage amount and/or max. document.write(new Date().getFullYear()), The Guardian Life Insurance Company of America. Your website is very easy to use. 2 Guardian's Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. A smart insurance plan where you will get back your deposited basic premium topped-up with 25% of coverage amount at the term-end. As a member, how do I register for Guardian Anytime? As individuals it is inherent to differ. Police Plaza Concord (13th Floor), Tower- making your retirement carefree, secure and full of joy. State Mandated Disability. Every person is unique and so are their requirements. Head Office - 12 Trafalgar Road, Kingston 5, Jamaica W.I. If you're an employer,talk to a Guardian representativeto learn more about your group benefit options and how to find the right mix for your employees and your business. Hospital indemnity insurance softens the financial impact of higher health plan deductibles and other out-of-pocket hospitalization costs by paying benefits to employees who are admitted to a hospital or ICU for a covered sickness or injury. -3]&]F/r."NAp! / /ks(N%``j^\:z+;+oyRb ,XO|"3I Now, you can have insurance, savings and also cherish those major milestones of life. Guardian Life believes in customer-first policy and is thus always committed to Guardian offers four different kinds of voluntary supplemental health plans for employers. Even redo your home dcor or even fund your childs marriage! These opinions are not indicative of future performance or results. Policy limitations and exclusions apply. Legal services provided through the Employee Assistance Program will not be provided in connection with or preparation for any action against Guardian, IBH, or your employer. Products are not available in all states. Consult a tax, legal, or accounting professional regarding your individual situation. Crowns, complex extractions, oral surgery and more. When injury and disease strike, supplemental health insurance can help pay for unexpected medical expenses. As a healthcare provider, how do I register for Guardian Anytime? hVn8yLNJ@a8u4Am Your certificate will then be void, as though you had never applied for the insurance. Lowered the cost of my dentures considerably! Contact Us | Dental, Vision, Accident, Critical Illness Insurance Help is here Our customer care support is available from Monday - Friday: 09:00 AM - 09:00 PM ET Call us (toll-free) at (866) 569-9900 Connect with us We are also available via email for your convenience. GUARDIAN is a registered trademark of The Guardian Life Insurance Company of America, New York, NY. endstream endobj 18 0 obj <>stream This pension plan will protect not only you, but I'm a retiree and found Guardian direct for both my vision and dental coverage. 7T7_w=XD0*"RNOOmK@%0 ;_Cs These sought-after benefits can add financial independence that helps companies attract and retain personnel. Adult & eldercare services Click Guardian Anytime: Benefits through my employer or Employers offering benefits to their employees and then Continue. If you're an employee, ask your HR manager what supplemental health benefits are available and when you can sign up. Police Plaza Concord (13th Floor), Tower- 02, Plot # 02, Road # 144, Gulshan . As a subsidiary of Guardian Holdings, Guardian Life's resources and experience runs deep as do our commitment to wellness development and the improvement of the Jamaican quality of life, which allows us to provide our clients with unparalleled service of the highest quality. How do I view my DHMO Dental benefits and coverage information? Guardian paid it all. What are the New York Paid Family Leave (NY PFL) benefits. Even redo your home dcor or even fund your childs marriage! Limited out-of-pocket expenses. A pre-existing condition is a cancer, whether diagnosed or misdiagnosed, for which in the 90 days before you become covered by this plan, you: (1) received advice or treatment from a doctor; (2) underwent diagnostic procedures; (3) were prescribed or took prescription drugs; or (4) received other medical care or treatment, including consultation with a doctor. Do I have Spring Health mental wellness benefits? Guardian Group Life Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. We focus on niche markets including preneed, individual life and annuity products, as well as long term care, and Limited Benefit Medical. Contact Information. Life Insurance Pricing based on a 20 year old female with a preferred plus rating for a $100K 10-year term policy. document.write(new Date().getFullYear()), The Guardian Life Insurance Company of America. New York, NY. Search with the last 4 digits of a phone number to view all listings with phone numbers containing that portion, Guardian Pension and Personal Accident Insurance. Can I add an additional group or division number to my current User ID? Life Claims GuardianLife Insurance Company Group Life Claims P.O.Box14334 Lexington, KY 40512 Phone: 18005254542 Fax: 6108078266 Email: group_life_claims@glic.com STD Claims Guardian Group STD Claim Department P.O.Box14331 Lexington, KY 40512 Phone: 18002682525 TeleGuard: 18882625670 Fax: 6108078270 Guardian Web Portal. Long term care (EssentialLTC). in death or Total and Permanent Disability (TPD) of an individual life; Health Only the plan service agreement can provide the actual terms, services, limitations, and exclusions. Here are the types of plans available, reasons employers should offer them, and why employees should get them. We will contact you shortly when your listing has been removed. The cash can be used any way they see fit to cover the out-of-pocket costs for a hospital stay, prescription drugs, and even non-medical expenses like childcare, car payments, even groceries. Right to Work Statement in English and Spanish. Reverse telephone number search helps find a business or person by enetering a phone number or fax number. 18 years to Max. Up to 3 face-to-face, video or telephonic counseling sessions for relationship and family issues, stress, anxiety,bereavement, and other challenges. If it continues to fail, contact us at 1-877-500-2386. Customer support: Call 1-888-Guardian Guardian Anytime (for employee benefits through an employer or broker): Call 1-877-500-2386 or email cru@glic.com. 14 0 obj <> endobj P7kC,L) `)A!*uZU,uVO%$3D[zP9jXzU78{FEHQ5Z}_zHD].QrJ)dQN})[g %gmJKx 6 months to 24 years. ;QgVz5W'}49,^S)XrwOw0&X[- > Personalized care and service recommendations, Skills training to develop resilience, stress management, and mental fitness, Up to three sessions with a behavioral health coach via phone, or unlimited asynchronous chat, 24/7 access to AI chatbot Tess for emotional support and check-ins to boost wellness, Unlimited, 24/7 telephonic consultations with masters and doctoral-level counselors. Please try again. The idea is to ensure freedom through financial independence and thus Search with the last 7 digits of a phone number to find a specific listing .y)dI*o ps+a9>(I3= The Investors Choice: An investment plan with sure benefit of doubling the invested amount to implement your precious long-term goals. Guardian Prodriddhi Your perfect solution to Insurance & Savings combined into one perfect package. Now, you can have insurance, savings and also cherish those major milestones of life. Everything has been paid, and all questions answered. Join our dental network today Members - Find a dentist How can we help you? A Guardian Four-Stage Plan can help you to meet all those needs at the various stages of life: The wise ones priority plan: A liquid savings plan that will give back partial sum assured in five different time periods for attaining your precious dreams at various stages of life. This product can be If employees retainthe attorney or mediator,they receive 25% off the normal hourly rate. A Guardian Three-Stage Plan can help you to meet all those needs at the various stages of life: Prioritize for a happy life: A liquid savings plan that will give back partial sum assured in four different time periods for attaining your precious dreams at various stages of life. This information is for informational purposes only. ')y8)P' 2)P!z ^{.%0Vn}z7 8`+ 8ZthI_O;FQ8!p9jw2WMUFYAH1_{6]"\fM-XV|D1+97?m+e_bKiW)+F$NM$'CS+v5ojb/E;ejw[7ewI'&xxo MC))Pv=US)l|qZ*? Long term care insurance can help pay for treatment in a long-term care facility and help save your retirement savings from being exhausted. 55 Years. Brentwood, TN 37027, 105 Westpark Drive, Suite 100 Brentwood, TN 37027, Career Opportunities: 800-365-5787, opt #1 All Other: 800-365-5787. This policy acts as an easy & access point for availing the rider benefits like Health Insurance & Critical Illness coverage. As one of America's most successful, independent mutual life insurance companies, we are licensed to do business in 49 states and the District of Columbia. Now, you can have insurance, savings and also cherish those major milestones of life. This policy acts as an easy & access point for availing the rider benefits like Health Insurance & Critical Illness coverage. Programs; . Me encanta esta cobertura. Member ID Number. There was an error with your submission. Costs vary by state and available plan type selected. Long-term Disability. As costs for hospital stays and other treatments continue to climb, insurers are shifting more costs to users in an effort to keep premiums at reasonable levels for companies and their people. Otherwise, you should consider getting accident insurance and other supplemental coverage. Vision. Email us Additional resources The pros and cons of DPPOs and DHMOs All rights reserved. Optional riders and/or features may incur additional costs. Expert assistance in finding the right college that fits a child academically, socially and financially, provided by College Planning USA. How can I submit information to Guardian securely? Guardian and IBH reserve the right to discontinue the Employee Assistance Program at any time without notice. Guardian Shield mitigates hardships and financial needs of dependents on account of death or permanent disability of the policyholder. HTM@W1mnY {BL?dL2B=zUr7*C?& aw pnd . requirements are different from that of the others. Policy limitations and exclusions apply. The best plan for you, your child and your family that includes a splendid admixture of benefits that will secure every stage of childs growth. 30 days of access with a personalmoney coach who will work with employees to identify financial goals, assesscurrent financial situation,and suggest an actionplan. Now, you can have insurance, savings and also cherish those major milestones of life. Falli habemus no nam, nulla dicunt voluptaria per ea, nam quaeque perpetua no. Plans can be tailored for different sized groups and with varying coverage riders. * Any rates listed are. endstream endobj startxref This pension plan will protect not only you, but meeting the diverse needs of its customers. financial security for yourself and your loved ones during your retirement How do I file a Short Term Disability (STD) claim? you individually and give you the most suitable options that can fit your requirement. Person Insurance is a Term Life Insurance Plan where the Sum Assured is payable Good coverage for a great price. !rij; )Of e e=9+K(U" QN2 EFJT7Y"2PsA(4e4qdISLvDj@28tQ4u{{h5u!u5}r. Supplemental health insurance plans are an increasingly necessary way to help pay for these costs. The easy savings plan focuses on your convenience with comparatively lower premium rates and a pre-defined maturity value. Guardian Shield mitigates hardships and financial needs of dependents on account of death or permanent disability of the policyholder. Head out for those special tours/vacations that you could never make time for. Coverage is based upon underwriting approval and coverage does not begin until first payment is received. My sign-up experience was easy and fast. Toll-free access for you or a family member experiencinga crisis. A Guardian Five-Stage Plan can help you to address most of those milestones: Lets keep that smile intact forever: An education plan for your starlet to keep his / her future education miles away from financial hardship. Waiver of future all premiums for disablement from engaging in or giving attention to any employment or occupation whether for purposes of business, profession or otherwise. There are different types of plans available, and many employers offer them on a voluntary basis (i.e., employee-paid) to provide added financial protection to their workers. It is not a contract. Dhaka- 1212. Well-being. Visit Website. If the registration process is not successful,verify the information was entered correctly. If it continues to fail, contact us at 1-877-500-2386. Guardian Online Plan Advisor recommends insurance plans that are right for you, based on your The best mix of investment & protection for your family. Due to accident, if within 90 days from the date of occurrence an insured dies directly from such an accident caused through external, violent and visible in nature then the Company shall pay to the insured the sum assured in addition to the death benefit of the basic policy. From the Guardian Anytime Login screen, click Register. %%EOF you individually and give you the most suitable options that can fit your requirement. The Guardian Key (800) 548-2962. G;3 RnzZ GH.V&BEu9(c@)(G#~#r 'LZY, xvKQwf$FJ9o f:WRanqgH?__D2ICac$.!Xa"WGGY')S-S7$$iGIe5#M),e5qHjE+>2R&cN6 Even redo your home dcor or even fund your childs marriage! Person Insurance is a Term Life Insurance Plan where the Sum Assured is payable hTPn y The easy savings plan focuses on your convenience with comparatively lower premium rates and a pre-defined maturity value. 7:30 AM - 4:30 PM. We get it, and we get you. The amount of premium you have paid will be refunded provided no claim has been incurred during the 30-day period. Plan your childs higher education and plan for the down payment of your home. requirements are different from that of the others. years. I am very happy with Guardian's coverage, as well as the premiums. Please enable JavaScript to use this page. Specialty Insurance Markets. The same holds for a dental insurance policy. How can I get started with Spring Health? Make your retired life a respectable & self-sufficient one: A secure retirement plan that will keep you financially solvent for the rest of your life. Life changes, but your dental care doesnt have to. The child must be 18 years of age or younger. Guardian Online Plan Advisor recommends insurance plans that are right for you, based on your Family Protection Plan - Supplementary Benefits. 52 0 obj <>stream 38 0 obj <>/Filter/FlateDecode/ID[<4363B57AF3CD0C17B6480646D0A3CABA><25448918B9162146A06F09F8BED05DDE>]/Index[14 39]/Info 13 0 R/Length 113/Prev 92986/Root 15 0 R/Size 53/Type/XRef/W[1 3 1]>>stream As a broker, how do I register for Guardian Anytime? These opinions are not indicative of future performance or results. Employees do not have to face these challenges alone. 1 Guardian's Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. I would definitely recommend Guardian. Benefits are complementary, and many companies offer their workers a choice of plans. Convenient Premium Payment Options (same as base plan), Opportunity to cover family (Spouse & Child), Enjoy attractive discounts at our partner hospitals & cilinical labs with Guardian Life Card, Open you door to a rich network of more than 270 partner Hospitals & Clinical Labs, Coverage up to BDT 10 lac (not more than 50% of Sum Assured), Enjoy attractive discounts at our partner hospitals & clinical labs with Guardian Life Card, BDT 1 Lac (up to 1 Crore) life coverage at only annual BDT 203, Health Insurance coverage (BDT 50K 5 Lac) with Cashless facility, Up to BDT 10 Lac critical illness coverage for 18 major diseases, Online premium payment, online claim submission and tax rebate facility, Financial protection against business risk, Boost the spirit and morale of the one most critical to your Each individual's insurance needs and Guardian Health offers online convenience for claim submission and adjudication, real-time claims processing, and member access to payments and balances. 3 Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. 5 The Guardian Annual Workplace Benefits Studysm: Fourth Annual, 2016, [This advertising content is not currently intended for anyone in the state of New Mexico.]. How to file a claim with Guardian To start an individual life insurance claim, you must call (866) 452-4542. Optional riders and/or features may incur additional costs. Exelente. Skills training to develop resilience, stress management, and mental fitness Up to three sessions with a behavioral health coach via phone, or unlimited asynchronous chat 24/7 access to AI chatbot "Tess" for emotional support and check-ins to boost wellness Unlimited, 24/7 telephonic consultations with master's and doctoral-level counselors It is a monthly saving plan, easily affordable to policyholder, offers the full Sum Assured at the maturity along with bonuses declared during the policy term. The plan allows you make monthly deposits that guarantees you a significant Insurance Coverage and also attractive returns as terminal benefits. Optional riders and/or features may incur additional costs. Email: guardian@myguardiangroup.com. From verified members, see all reviews. Bills have been paid. Awesome plan! They also turns claims around quite quickly. Select one of the below and click Start registration. Life in Bangladesh for the first time and it is in a nutshell, a "complete It offers significantly lower premium rates compared to endowment insurance products where sum assured is payable on death or total & permanent disability due to sickness or accident. in death or Total and Permanent Disability (TPD) of an individual life; Health 2023Guardian Healthcare Providers. answers to a few simple questions. Corporate Office. All rights reserved. Contact Us - Guardian Healthcare. Get both Insurance & Guaranteed Savings at the least possible premiums for the coverage amount. Waiting period varies by state and deductibles may apply. Guardian Life Limited is an assurance company offering life insurance in Jamaica since 1999. Additionally, the plan offers you financial flexibility and of your organization. Links to external sites are provided for your convenience in locating related information and services. Therefore, the information should be relied upon only when coordinated with individual professional advice. The Guardian Difference in Medical Staffing. Didn't have to talk to anyone. Get Directions. As individuals it is inherent to differ. I went to the dentist for a full exam, cleaning, and X-rays, and when I asked the guy at the counter what my bill was, he said nothing. Office hours: 8:00 a.m. 5:00 p.m. CT Dhaka- 1212. Not available in NY. Accounts and Policies (through financial. Our EAP is designed to be accessible from anywhere, on a desktop, mobile, or other connected device.