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Times, they are a-changin’ – especially when it comes to employer-sponsored health insurance and benefits packages. It’s something of a benefits revolution; a transition from the traditional one-size-fits-all benefits package to one that is unique and flexible – a benefits package that works for both the employer and the worker. Here are the top trends to watch this year.
Accidents happen – that’s why they’re called accidents. Sometimes they’re serious enough to warrant medical attention. While major medical insurance may pay some accident-related costs, there are often out-of-pocket bills to pay. From leftover medical expenses to a temporary loss of income, accident insurance can help.
Most workers underestimate not only their risk of experiencing a disability but also how financially devastating the related costs can be. Voluntary disability insurance plays a key role in financial planning and safeguarding their financial futures.
Advances in medicine mean people today live longer lives, even if they suffer from critical illnesses. Naturally, living longer with a critical illness means paying more treatment-related costs – a possibility that has many Americans concerned. From medical expenses to household bills, critical illness insurance can help.
Most Americans will be hospitalized at one time or another, a fact that’s driving a growing need for voluntary hospital indemnity insurance. Learn more about hospital indemnity insurance, including what it is and how it can help cover costs major medical doesn’t pay.
When you applied for voluntary insurance coverage through your workplace, you probably never really imagined using it. But here you are in the hospital and it doesn’t look like you’ll return to work any time soon. Now that the unthinkable has happened, what comes next? If you’re like most people, you’ll start fretting about finances. Suddenly you remember: You signed up for insurance at work that was supposed to help in situations just like this one.
