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Open enrollment is right around the corner, and brokers knowbetter than anyone that employers must go beyond major medicalinsurance to impress their workers when it comes to benefits.Employees today expect more options when choosingcoverage that best suits their needs for the upcomingyear, as well as those of their dependents.

Your clients are looking to you to help guide them in providingthe most affordable and robust coverage to their employees. You areprobably wondering how affordable and robust canbe in the same sentence. It’s possible. Here are fivevoluntary solutions that your clients should offer to help ensureemployees are able to protect both their families and financesyear-round.

1. Disability insurance: Brokers can helpemployers understand the risk of disability and encourage employeesto prepare for the future. When employees are unable to work andearn a paycheck, out-of-pocket expenses can accumulate and causeoverwhelming financial stress. Having disability insurance in place can bekey for an employee because it helps protect their paycheck, givingthem the ability to get on with life without a hugefinancial setback.

2. Critical Illness insurance: Sufferingfrom a major illness can be detrimental to one’s physical,emotional and financial health. Having a critical illness plan canhelp cover related medical costs or simply assist with everydayliving expenses. Encourage those with family histories of cancer,stroke or heart attack, as well as workers approaching retirement,to consider this type of insurance to help give them added peace ofmind.

3. Life insurance: After the death of afamily member, financial burdens should be the last thing onfamilies’ minds. By offering life insurance, employers can givetheir employees the opportunity to help protect their loved ones’futures and relieve financial stress during difficult times.

4. Accident insurance: No matter howcareful people are, accidents happen. Employers can help prepareemployees for unintentional injuries by offering accidentinsurance. In the event of a covered accident, this coverageprovides cash that can be used in any way an employee sees fit.These policies help workers and their families stay ahead of themedical and out-of-pocket expenses that can quickly add up after aninjury and allow them to focus on recovery.

5. Value-added services: In response torising health care costs and higher consumer demands, employersshould consider offering employees nontraditional benefits somerefer to as value-added services. These come in many forms and canhelp employees navigate the complexities of the health careenvironment, improve their experiences as health care consumerismgains popularity, and protect personal and financial information.Examples include telemedicine, bill negotiation and identity theftprotection.

As a broker, you know open enrollment is the perfect time tohelp your clients help themselves and their employees. The fivesolutions listed above are great ways to impress employees withenhanced benefits plan offerings. Encourage your clients to offer arobust benefits package that will help provide more protection foremployees and keep them happy throughout the year.

This article is for informational purposes only and is notintended to be a solicitation.

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