Group Benefits
also known as employee benefits or group insurance, typically offer a range of coverages and services to employees as part of their compensation package. These benefits are provided by employers to attract and retain talent, promote employee well-being, and offer financial security. The specific coverages offered can vary from one employer to another, but common group benefits include:
1
Health Insurance
This is one of the most common group benefits. It covers medical expenses, including doctor visits, hospitalization, prescription drugs, and preventive care. Employers may offer various health plan options
2
Dental Insurance
Dental coverage helps employees pay for routine dental care, including cleanings, check-ups, fillings, and more extensive dental procedures like crowns or orthodontics.
3
Vision Insurance
Vision benefits cover eye exams, prescription eyeglasses, contact lenses, and sometimes even corrective eye surgery.
4
Life Insurance
Group life insurance provides a death benefit to the employee's beneficiaries in the event of their death. Employers may offer a base level of coverage, with the option for employees to purchase additional coverage for themselves and their dependents.
5
Disability Insurance
Short-term and long-term disability insurance replaces a portion of an employee's income if they are unable to work due to illness or injury. Short-term disability typically covers shorter periods, while long-term disability provides coverage for extended disabilities.
6
Accidental Death and Dismemberment (AD&D) Insurance
AD&D insurance pays a benefit in the event of death or loss of limbs or eyesight due to an accident. It is typically provided as an additional benefit alongside life insurance.
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