Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for:
The chances that your employees will need disability insurance may be greater than you realize.
Consider these statistics:
Most people aren’t prepared to cover their daily living expenses, let alone ongoing financial obligations, if a disability would prevent them from working. Disability insurance can help provide peace of mind for your employees and their families.
Nationwide Employee Benefits® offers employers a choice of short-term disability and long-term disability plans.
Getting back to work is critical for employees, their families and their employer. That’s why we’ve built flexible disability plans that help benefit everyone involved.
Our long-term disability plans include the following features to make it easier for employees to return to work while improving their overall health and well-being:
A strong Employee Assistance Program (PDF) promotes better employee productivity and well-being. Included with our group disability insurance, EAP services help employees and their household members obtain free and confidential access to extensive work/life resources, including:
According to the American Cancer Society, the risk of men developing some type of cancer in their lifetime is around 1 in 2 or 42%, and the risk in women is around 1 in 3 or 37%.
Based on these statistics, it is likely you may know someone who has cancer, had cancer, or will be diagnosed with cancer at one point in their life. What if in the future, that someone were you or an employee who works for you? It’s important to prepare for unexpected expenses. Critical Illness insurance provides a lump-sum payment to the insured if they suffer a major illness, which includes cancer, heart attack, stroke, major organ transplant or end stage renal disease. Employers can provide coverage for their employees for as little as $4 – $10 per month to help them prepare for an unexpected illness.
The Movement Agency’s critical illness benefit plan can be used to help with the cost of treatment or expenses incurred due to the illness such as medical equipment, major medical deductibles, baby-sitters or additional groceries needed for family members helping during the time of need.
Long-term care (LTC) is any personal assistance you need to maintain your quality of life as you get older.
Some people think that long-term care only covers nursing home expenses. In fact, half of all long-term care services are provided in the home.
A common misconception
Many people think that certain programs will help cover the cost of long-term care. But the reality is:
Long-term care coverage was developed to help offset the cost of these services. At The Movement Agency, we offer long-term care insurance coverage as part of a life insurance policy, either as rider or a linked benefit. Our solutions offer protection against long-term care costs and the ability to leave a legacy if these benefits are not needed.