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Protect your employees.
Employees are an integral part of any business, so helping to protect them when times get tough should be high on your clients' agenda. Group Protection products offer not only financial support, but also practical and emotional help in the event of ill health or death.
I work with all companies, looking at their current group plans, or those looking to expand their company-based benefit offerings, or companies entering group benefits for the first time.
Group Life
Employees are an integral part of any business, so helping to protect them when times get tough should be high on your clients' agenda. Group Protection products offer not only financial support, but also practical and emotional help in the event of ill health or death.
I work with all companies, looking at their current group plans, or those looking to expand their company-based benefit offerings, or companies entering group benefits for the first time.
Group Income Protection
This is a group policy for all staff, again paid for by the company and effectively pays a portion of the staff salary monthly in the event a staff member is off sick, injured, and unable to do their own occupation. Usually the benefit paid (portion) is 60-70% of salary.
Group Private Medical Insurance
Designed to provide qualifying company staff with additional security and peace of mind when it comes to receiving healthcare. Private Medical treatment offers a few things that the NHS cannot, one the main things that private healthcare can normally guarantee is a shorter waiting time than the NHS. Private access to specialists rather than often seeing a junior or trainee Dr, choosing the time which suits the individual for operations and after care. 2 staff and above to qualify.
Group Critical Illness Cover
Much like Private Medical above. This cover would pay out a lump sum in the event a staff member contracts a defined critical illness, again the level of pay out can be chosen.
Learn more about group protection policies & employee benefits here
Did you know..
More than half (52%) want to support and promote work/life balance, and health and wellbeing1.
Providing the right mix of benefits to meet these needs, while also ensuring that what is on offer is what employers want can be a tricky balancing act.
*Unum Insurance 2020
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The above figures relate to pre covid research and might not be represent the current climate.
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An increasingly challenging business environment
Unsurprisingly, the pandemic made trading tough. 41% of SMEs lost a large client or experienced adverse market conditions in 2021, up from 29% in 2019. -
COVID-19 infection rates
45% of SMEs said at least one of their staff contracted COVID-19, whilst 35% reported a staff member with long COVID (where COVID symptoms persist for at least 12 weeks). -
Pandemic-hit companies note ‘critical’ business impact
33% of SMEs reporting a COVID-19 diagnosis said long-term sickness absence had caused a ‘critical’ impact on company finances and business success, rising to 38% of SMEs reporting an employee diagnosed with long COVID. -
COVID-19 and its impact on employees
56% of SMEs feel that the pandemic has led to new work-related mental health risks among employees, while 43% said it had led to new work-related physical health risks. -
Changing mindsets
64% of SMEs feel they have a moral obligation to help their staff back to work after sickness absence, up from 50% in 2019, while 48% of SME owners say the pandemic will change how we handle workplace health forever. -
Proactive companies experience positive results
40% of SMEs who only did the basics when it came to employee wellbeing saw an employee leave the business due to ill health in 2021; this fell to 17% of SMEs who stated they go “well beyond” the legal requirements.1