Supplemental

Disability insurance is designed to protect an employee's income when they are no longer able to work due to illness or injury.

• Short-term disability insurance: Insures employees against loss of some salary in case of an absence lasting three to six months. This would give employees ample opportunity to recover without worries about finances.
  
• Long-term disability insurance: Provides protection for the long term, covering wages beyond six months—what would be expected in chronic conditions or severe injury cases when employees cannot return to their job.

Accidents never knock, and the right policy makes all the difference. The accident insurance policy pays benefits directly to the policyholder upon sustaining an injury. Benefits include:

• Flexibility: Payments may be used for medical bills, living expenses, or any other needs.
  
• Complementary Coverage: There to complement health insurance and give extra help without taking the place of major plans.
  
• Lump Sum Payments: For events that include burns, broken bones, or even visits to the emergency room. Extra benefits also further provide coverage for injuries in organized sports for children.

Dental health is imperative, but the right coverage ensures one can attend to their needs without financial burden.

• Basic Dental Insurance: Covers routine services such as cleanings, check-ups, and fillings; most often accommodates coverage after a 2-6 month waiting period.
• Comprehensive Dental Insurance: Major procedures such as orthodontics are covered, with waiting periods up to 12 months.

Most trips can have unexpected turns. There are five major areas that travel insurance can cover:

• Trip Cancellation/Interruption Insurance: Refunds the cost in case of cancellation or interruption due to covered reasons.
• Medical Insurance: This has to do with health care expenditure during traveling and is particularly important in countries where medical care is very expensive.
• Evacuation Insurance: Insures against emergency medical evacuation.
• Loss of Baggage and Personal Items: Insures against the loss or theft of baggage and personal items either brought from home or bought locally.
• Life Insurance: Entitles the beneficiary with the benefits in case of death caused by a travel accident.