Life insurance provides your employees the ability to financially support* their loved ones in the event of their death.

However, you might not be aware that this coverage also offers valuable benefits that can be used while they’re alive.

Including a life insurance plan with a variety of necessary services can show you prioritize your employee's well-being. This can mean access to:

• Grief Counseling
• Employee Assistance Programs (EAPs)
• Will Preparation
• Travel Assistance
• Identity Theft Resolution

Here’s a list of common scenarios that illustrate how these resources may significantly benefit your employees:

Scenario 1: An employee unexpectedly loses a loved one and is having trouble coping.

Helpful Resource: Grief Counseling

Experiencing loss, especially sudden loss, can be a complex process to navigate. Talking with a grief counselor can provide valuable support during these difficult times. All visits are confidential and can help employees cope with loss as they heal.

Scenario 2: An employee’s spouse is struggling with depression and needs to talk to someone.

Helpful Resource: Employee Assistance Program (EAP)

The goal of these programs is to connect your employees with the resources they need to handle everyday challenges impacting them and their families. EAPs offer confidential and personal support and assistance with life transitions, legal problems, substance abuse and more.

Scenario 3: An employee wants to proactively decide how their assets will be distributed if they pass away.

Helpful Resource: Will Preparation

A will is a critical component of an estate plan and protects an employee's loved ones and their personal wishes. Creating a will allows your employees to direct their assets to where and to whom they wish after they pass. Having access to online will preparation services that take less than an hour can make this process much easier.

Scenario 4: An employee realizes their identity has been stolen and they don’t know where to begin.

Helpful Resource: Identity Theft Resolution

Dealing with identity theft is a lengthy process. When an employee has their identity compromised, this resource can help turn them into an experienced fraud specialist to resolve financial, criminal or medical identity theft.

Additional services, such as fraud alerts, cyber monitoring of financial accounts and assistance with law enforcement, can be set up to provide peace of mind.

Scenario 5: An employee takes a vacation and needs medical emergency services from being badly injured on a hike.

Helpful Resource: Travel Assistance

Medical emergencies don’t take vacations, so having extra protection while away from home is a huge benefit.  Travel assistance programs can help employees locate the appropriate medical and non-medical services in the location they’re traveling.

Knowing employees have a quick, direct resource to help them find access to doctors, hospitals, pharmacies and other useful services during stressful times offers them peace of mind.

Interested in providing these resources to help your employees face similar life challenges?

By partnering with Medical Mutual, you can offer high-quality insurance with value-added living benefits. Talk to your broker or a Medical Mutual sales representative today to learn more about our small group health plans or you can fill out our group quote form.

Founded in 1934, Medical Mutual is the oldest and one of the largest health insurance companies based in Ohio. We provide peace of mind to more than 1.2 million Ohioans through our high-quality health, life, disability, dental, vision, and accident and critical illness plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement and Individual and Family plans. Medical Mutual’s status as a mutual company means we are owned by our members, not stockholders, so we don’t answer to Wall Street analysts or pay dividends to investors. Instead, we focus on developing products and services that help people live healthier through all stages of life. For more information, visit the company’s website at MedMutual.com.

Social media:

https://www.facebook.com/MedMutual/
https://www.instagram.com/medmutual
https://www.linkedin.com/company/medical-mutual 

*MedMutual Life Insurance Company policies contain exclusions and limitations