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Workplace Benefits Insurance

Various benefits available through employment are one of the main motivational factors for people still choosing to work in the corporate world. Workplace benefits can vary from video games and complimentary meals to live-work balance help to extraordinary medical and dental benefits. Below is a list of some of the more common benefits that many employers offer to their employees.

Long Term Care Insurance

Long-term care insurance is meant for those suffering from a depilating illness or injury that lasts more than a year. Short-term medical coverage is just what the name implies. It is for those who usually are unwell for a shorter period, normally up to one year. Long-term insurance will usually become active when short-term is no longer appropriate.

Disability Insurance

Disability insurance is a type of policy that is designed to cover employees who become unable to perform their usual and required duties of the job. One’s debilitation could be the result of a physical or mental issue. Disability insurance is designed to cover a certain amount of a worker’s pay until he or she can resume their work duties.

Accident Insurance

Accidents, as the name implies, are unpredictable and can strike at any time. This is the reason that some employers provide accident insurance to their workers. This kind of a policy can often cover one’s children and spouses as well as the employee.

Critical Illness Insurance

Critical illness insurance is a kind of coverage that helps people who become stricken with illnesses that are chronic and severe, like cancer or AIDS. Critical illness insurance providers generally issue a lump sum payment when a claim is approved.

Universal Life Insurance

Universal life insurance is a type of life insurance that is designed to help one’s family and other designated beneficiaries after he or she passes away. Most employer packages offer some form of life insurance. An unusual aspect of the Universal lifepolicy is its ability to give policyholders the freedom to invest some of the money in stocks and other investments. The result of this is potentially higher payout of money should the invested portion realize gains beyond a normal policy.

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