Income interruption
An illness or injury can interrupt a paycheck. Disability coverage is designed to help replace a portion of income while someone is unable to work.
Protection
Coverage designed to help protect income, finances, and family.
Protection coverage exists for the moments no one schedules. Benefits Beyond Work helps members and their families understand which personal protection options may be appropriate, what they are designed to do, and what is already in place before anything new is considered.
Coverage options
Personal protection coverage that may apply.
Which of these is appropriate depends on the household, what is already in place, and what the situation calls for. Product, carrier, and state availability varies.
- Life Insurance
- Disability Insurance
- Accident Insurance
- Critical Illness
- Hospital Indemnity
- Cancer Insurance
- Long-Term Care
Not every option is available in every state, from every carrier, or to every person. Any new coverage is subject to underwriting, eligibility, and policy terms.
What it addresses
Protection is easier to understand by the need it answers.
Rather than starting with a product name, start with what would be difficult for the household if it happened.
The cost that arrives with a diagnosis
Critical illness, hospital indemnity, and cancer coverage are designed to pay a benefit that can be used for costs a medical plan isn't built to cover.
An accident no one planned for
Accident coverage is designed to help with expenses that follow an unexpected injury.
The people who depend on you
Life insurance is designed to provide a benefit to the people you name, in the amount and structure the policy provides.
Extended care needs
Long-term care protection considers the household impact of extended care needs, where such coverage is appropriate and available.
Coverage that was tied to a job
Some workplace protection ends or reduces when employment changes. Personal coverage is one way that protection can continue.
Start here
Understand what already exists before adding anything.
Many households already carry some protection through work or an existing personal policy. The first step is a clear picture of it.
- Workplace life insurance already in place
- Workplace disability coverage
- Existing personal policies
- Coverage a spouse or partner already carries
- What continues or converts when work changes
- Who in the household depends on the income
Plan documents and the plan administrator are the authoritative source for what a specific workplace plan provides and whether it can continue.
The household view
Protection is a household question, not only an individual one.
We look at who depends on what, and consider coverage only where it is relevant to the people involved.
Who the income supports
Protection needs usually follow who depends on the income, not simply who earns it.
What is already covered
Existing workplace or personal coverage may address part of the need already.
What changes with employment
Workplace protection amounts can change or end when a role, schedule, or eligibility changes.
Health and eligibility
New coverage is subject to underwriting, eligibility, and policy terms, which differ by person and carrier.
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.
Other solution families
Protection is one part of the household picture.
Depending on the situation, one or several of these may be worth considering.
Healthcare
Coverage for your health and everyday care.
- Individual & Family Medical
- Dental
- Vision
- COBRA Alternatives
- Supplemental Health, where appropriate and available
Medicare
Medicare is supported through its own dedicated guidance and coverage experience because eligibility and enrollment rules differ from other health coverage.
Explore MedicareRetirement
Insurance solutions designed to help protect income and prepare for retirement.
- Annuities
- Lifetime Income Solutions
- Retirement Protection Strategies
These are insurance-based solutions. Investment, securities, tax, and legal matters belong with the appropriately qualified professionals.
Explore RetirementProperty & Lifestyle
Coverage for the home, vehicles, and personal risks your household depends on.
- Auto
- Homeowners
- Renters
- Umbrella
- Other Personal Insurance
Subject to product and carrier availability, which varies by state and situation.
Explore Property & LifestyleLegacy
Help protecting what you’ve built, preparing what you want to leave behind, and making things easier for the people who matter.
- Life Insurance
- Long-Term Care
- Beneficiary Review
- Beneficiary & Legacy Support
Beneficiary preparedness
Through our sister company, Beneficiary ProActive™, Benefits Beyond Work can provide access to beneficiary designation management and preparedness capabilities designed to help households organize and maintain important beneficiary information.
Beneficiary review and beneficiary support are services, not insurance products.
Explore Legacy
Protection is easiest to put in place before it is needed — not while it is needed.