Employers, HR leaders and benefits consultants must ensure employees are aware of, understand and can easily access available benefits. By fostering a proactive and supportive benefits culture, organizations can help employees maximize their resources when they need them most.

Supporting employees during major life events

Here are some proactive steps employers can take to help their workforce better navigate benefits complexities during major life events, providing clarity and reducing stress during a time of uncertainty:

Provide comprehensive, year-round benefits navigation support

According to a 2023 MetLife survey, 76% of workers who understand their benefits report higher happiness levels, and 82% feel a greater sense of stability. Employers can prevent unnecessary stress by making benefits education an ongoing conversation, not limited to onboarding or during open enrollment periods. Employers should offer ongoing education through webinars, Q&A sessions and one-on-one consultations. A dedicated benefits assistance team can also be an invaluable resource for employees with specific questions.

Reinforce awareness of overlooked benefits

Employees often overlook supplemental benefits like critical illness insurance, accident coverage and employee assistance programs (EAPs) that can provide vital financial and emotional support. Regular reminders—such as quarterly benefits check-ins or targeted communications about available resources—can ensure employees are aware of available resources before they need them.

Address the fear of job security

Employees facing a health crisis may hesitate to disclose their condition for fear of workplace repercussions. Employers should foster a culture of support by training managers to recognize signs of distress and proactively offer resources without requiring employees to self-disclose. Offering flexible work arrangements and normalizing conversations about health-related needs can alleviate some of this anxiety.

Ensure voluntary benefits are truly valuable

While voluntary benefits like short-term disability and critical illness insurance can provide essential financial support, employees may be unaware of eligibility restrictions. For example, if an employee is diagnosed with an illness before their coverage takes effect, they may not qualify for payouts. Employers should work with benefits consultants to source high-quality voluntary benefits and clarify enrollment timing and limitations. They must also encourage transparency around benefits limitations, so employees don't get caught off guard during a crisis.

Strengthen communication at key life transitions

Employees undergoing major changes—such as starting a new job, taking leave or transitioning between health plans—are at the highest risk of coverage gaps. Employers can mitigate this risk by communicating clearly about COBRA options, waiting periods and plan transitions. Benefits teams should proactively reach out to employees who are changing their coverage to help them make informed decisions.

Instant Insights /

How employers can help employees navigate benefits during life's crises

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