This is the main part of a group health plan, - indeed, most of us need to pay for certain medical or dental procedures from time to time. When building your plan, you will have an option to choose what types of extended health and dental coverage you would like to offer. This can include:

• Dental
  Most employees enjoy having dental coverage, as it helps to offset the costs of routine dental checkups and necessary treatments. Offering dental coverage as a part of your company’s group benefits plan is an excellent way to ensure that your employees take care of themselves.
• Prescription drugs
  Nearly anyone will use prescription drugs at some point in their life. Offering drug coverage means that your employees will be able to afford the medication they need to stay healthy and productive.
• Paramedical expenses
  Sometimes, visiting a paramedical practitioner is necessary for the best health outcome. This could include Dieticians, Registered Massage Therapists, Speech Therapists, and Podiatrists.

Death and critical illness is hard to think about, but it does happen. Life insurance means that in case your employee dies or becomes critically ill, their beneficiary will receive a lump sum of money. With this type of coverage, your employees can feel reassured that their loved ones won’t struggle financially in the event of their death.

Disability coverage means that if your employee becomes disabled, they will receive a portion of their monthly income while they are not able to work. Disability coverage can help your employees to pay for day-to-day living expenses while they are recovering or adjusting to their new life. The coverage can be either short-term or long-term.

Health and wellness of employees are critical components of a productive workspace. Wellness coverage typically includes access to an Employee and Family Assistance Plan (EFAP). EFAP, in turn, usually includes counseling or mental health support to help your employees deal with challenging situations.

Another important aspect of wellness coverage is the encouragement of employees to be more active. For example, you could set up a wellness spending account, which would reimburse employees when they sign up for gym.