This coverage is often more affordable than individual policies due to the group rate.

Disability insurance, encompassing both short-term and long-term options, supports employees who are unable to work due to illness or injury. Short-term disability typically covers a portion of an employee’s salary for a limited period, while long-term disability extends this support for more prolonged incapacities, ensuring ongoing financial stability during extended recoveries.

Long-term care insurance addresses the needs of employees requiring extended care due to chronic illnesses, disabilities, or aging. It covers services such as nursing home care, home health care, and personal or adult day care, relieving the financial burden on employees and their families.

Collectively, these insurances enhance employee well-being, providing peace of mind and financial protection against life’s uncertainties.