Healthcare
What medical coverage exists today?
Changes at Home
Experiencing Illness or Injury
An illness or injury can affect healthcare, income, workplace benefits, and the people who depend on you. Start by understanding the protection and resources already in place.
What's changing
Here's what typically shifts.
Health events can create both immediate and longer-term financial consequences. The appropriate next step depends on existing healthcare, workplace benefits, personal insurance, household responsibilities, and the ability to work.
What to consider
Questions worth asking.
Workplace Benefits
What health, disability, leave, life, voluntary, or other applicable workplace benefits may already exist?
Income Protection
Could the illness or injury affect someone's ability to work, or the household's income?
Disability Coverage
Does workplace or personal disability coverage already exist?
Household Needs
Who depends on the affected person's income, benefits, caregiving, or other household responsibilities?
Protection & Beneficiaries
Does the health event create a reason to review existing protection and beneficiary information?
Benefits you may already have
Start with what already exists.
Start with what already exists. Eligibility, leave rights, and benefit provisions are determined by the applicable plan, employer, and carrier — plan documents and administrators are authoritative.
- Medical coverage currently in force.
- Workplace benefits, including health, life, and voluntary coverage.
- Workplace or personal disability insurance.
- Leave-related benefits, where applicable.
- Existing personal insurance already in place.
- A spouse's or partner's workplace benefits.
- Other existing household protection.
- Beneficiary information across policies and accounts.
A life change doesn’t always mean you need new insurance.
Household considerations
Who else could this change affect?
A health event for one person can change coverage, income, and responsibilities for several.
- A spouse or partner, whose coverage or workload may change.
- Children and other dependents covered under the same plan.
- Caregivers who take on new responsibilities.
- Household income and the people who rely on it.
- Anyone whose healthcare coverage runs through the affected person.
Portability & conversion
Before you replace it, can you keep it?
If the illness or injury also involves an employment or benefit-eligibility change — a termination, reduced hours, retirement, or another workplace-benefit transition — some workplace insurance benefits may offer continuation, portability, or conversion options.
- Whether any workplace coverage offers continuation, portability, or conversion, which depends on the plan and carrier.
- What timeframes the plan applies to those options, if they exist.
- Whether keeping existing coverage may be preferable to replacing it.
- What documentation the plan or carrier requires.
We do not determine whether a specific benefit is portable or convertible. Those provisions are established by the applicable plan and carrier, and vary.
Relevant solutions
Given what's changing, here's where we can help.
Healthcare and protection considerations come first. Retirement considerations can surface when the event affects retirement timing or retirement income, and Medicare matters only where it genuinely applies.
Healthcare
Individual and family medical, dental, and vision options when workplace coverage isn't available or is ending.
Explore HealthcareRetirement
Insurance-based solutions that address income, longevity, and protection needs in retirement.
Explore RetirementLegacy
Life insurance, beneficiary preparedness, financial-account organization, and household benefit continuity.
Explore Legacy
Financial Relationship Manager
You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.
Related life changes
Changes that often arrive together.
- Caring for Someone You LoveConsider healthcare, protection, long-term-care, and household needs when caregiving responsibilities change.
- Losing Workplace CoverageExplore continuation and personal coverage options when employer-sponsored benefits end.
- Planning Your LegacyReview life insurance, beneficiary preparedness across financial accounts, household continuity, and the broader legacy plan.
Start with what you already have. Then identify what may need attention.
Tell us what's changing and we'll help you understand the existing benefits and household needs involved.