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Hospital indemnity plans help employees reduce their out-of-pocket costs by providing benefits for a hospital stay, which can be used to cover the medical deductible. (Photo: Shutterstock)

For an employer, few things are more unsettling than receiving an unexpected call or email that an employee has been hospitalized. Often, when someone is admitted to the hospital unexpectedly, many questions start going through a supervisor’s head. What happened? Will he or she be OK? How long will the recovery take? Are there long-term implications? 

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