Often it s difficult for employees to understand the need for disability coverage. First, it s hard to imagine becoming disabled and unable to work. Then, it s hard to imagine the dramatic effects even a short-term disability can have on the ability to work and earn a living. Again, a combination of an employer-base benefit and voluntary options is a perfect solution for both employers and employees. Employers can provide this important benefit to their employees and offer them the ability to increase their coverage to ensure that their family and lifestyle are protected if they become disabled.
Voluntary benefits can include a wide range of choices.
Traditional products include term life and asset based life insurance and disability insurance products mentioned above as well as dental care. There is even coverage for the family pet via pet insurance. Informed employees make informed buying decisions because they better understand the valuable opportunity their employer is providing to them. Another key ingredient in implementing successful benefit programs is the enrollment meeting. Too often, valuable components of the employee benefits program are presented to employees as just a check box on an enrollment form.