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May 22, 2014 at 01:09 PM
Businesses are facing a big decision about health care reform: Whether to offer medical coverage, or pay the fine and direct their employees to the exchanges.
It is a big decision. But here’s a challenge: Think bigger.
Employee benefits have rarely been as widely discussed and considered as they are today, in this era of reform. And as medical insurance changes and becomes available outside of work — and employees shoulder an increasing share of health-coverage risk — other workplace benefits are becoming more important.
Employers have the opportunity − and responsibility − to address the financial risks their employees face in this new environment, from life-altering events such as death, long-term disability and critical illness to significant events such as short-term disability.
Now’s the time to think through benefits strategies more broadly, to offer a complete, well-rounded benefits package that offers protection for whatever life brings. The benefit to put at the top of the list? Disability insurance.
