Employee Health Insurance

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SPECIAL REPORT | JUNE 12, 2014

EmployEEEmployEEHealth Insurance

HANDBooK

DOn'T juST buy Any hEALTh InSuRAnCE POLICy,EnSuRE An ADEquATE COvER

3KT Special RepoRT | June 12, 2014

employeeHealTH inSuRanceHandbooK

Suneeti Ahuja-Kohli

It was not long ago whennewspapers in Dubai started callingout to readers formonetary supportfor an expatriate struggling to keepup with the rising cost of

hospitalisation for his prematurelydelivered son.working as a storekeeper in Dubai, he

earned a few thousand dirhams and didnot have health insurance or a contingencyfund to take care of anymedical exigencies.a prematurely delivered son requiredtreatment in an Intensive Care Unit, andhe clearly lacked themeans. Consequently,the hospital bill amounted to aboutDh200,000 in just a few days.the good part is that lady luck was by

his side. Readers poured in to help in amatter of few days. the baby was treatedand discharged from the hospital afterpaying the dues. But that’s not how lifepans out every time one faces suchunforeseen medical expenses. the risingcost of medical care doesn’t help either.As per industry experts, medical inflationin the UaE has been rising by 15 to 20 percent for the last three years.the new law by the Dubai government

mandating a health cover policy for all istherefore a progressive step to ensurewell-being for all employed.Initiated by the Dubai Health authority,

the legislation was signed into law by His

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Highness shaikh Mohammed bin Rashidal Maktoum, Vice-President and PrimeMinister of the UaE and Ruler of Dubai, inNovember.Phase one of the scheme requires

companies with 1,000 or more employeesto provide their workers with healthinsurance by October.In phase two, companies with 100 to

999 employees will have until the end ofJuly 2015 to comply. Companies withfewer than 100 workers have until the endof June 2016 to provide coverage.according to the law, companies are only

required to cover the cost of healthinsurance for their employees and not theemployees’ dependents. the law wouldpush Dubai's insured population to threemillion by 2016, from its current level ofone million people.In addition, health coverage for spouses

and children of expatriates in the UaE hasalso been made mandatory and residencevisas for family members will not be re-issued without health cover.Here's a lowdown on what health

Consider gettingyourself acomprehensiveinsurance planbeyond that providedby employers

ediToRialexecutive editorPatrickMichaelSupplements editorSuchitra Steven Samuel

Sub-editorSadiq ShabanReportersFarhanaChowdhurySuneeti Ahuja-Kohli

dubaiHeadoffice:P.O. Box 11243, Tel: +971 4 3383535Fax: +971 4 3383345/46e-mail: [email protected]: P.O. Box 3082, Tel: +971 2 6337666Fax: +971 2 6351122 e-mail: [email protected]

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3KT Special RepoRT | June 12, 2014

4 KT Special RepoRT | June 12 2014


insurance is all about:

Basic plan

A basic health insurance plan covers youagainst expenses incurred duringhospitalisation. It also covers pre- andpost-hospitalisation expenses typically upto a month. This cover is invoked only onaccount of accidents or if contracted anailment it is not applicable for diseases,which already existed at the time of buyingthe policy.For the young, basic health insurance is

sufficient and easy to get and so essentialis its existence that most of the employershave begun offering medical insurance totheir employees. You, however, should notuse this as an excuse to shy away fromgetting yourself one personally and at thesame timebegin to stack away somewealthto prepare for any medical attention.The reason why you shouldn't just hinge

on your employer's medical cover is thatthe policy stays with you for as long asyou stay with the employer and terminatesthe minute you move out. Your nextemployer might be offering medical coverand you have the option of renewing yourprevious policy with the new organisationbut you run a potential risk: If in the switchbetween the two companies there hasbeen a gap for more than seven to 15days, the insurer of the new organisationwill treat you as an entrant and hence willissue you a fresh policy.The risk that you take is that any claim

on account of a disease will be treated aspre-existing and therefore denied. Whenthe policy is renewed the insurers cannotdeny you cover against a disease thatmight have led you to invoke the claim inthe past.Taking cover young also helps you

getting bonus on your sum insured till amaximum of 50 per cent. For those above60, however, the options are limited.

Floater plan

This is the second most popular variant ofmedical insurance. Popular with families,this plan considers the entire family as oneunit and issues cover on that unit. Herethe advantage that you so get is lesserpremiums since the premiums are decidedon the basis of the elder most in the familyand not on an individual basis.But the disadvantage that weighs more

is the fact that the entire family sharesthe same cover and if one invokes thecover, the cover on the rest gets reducedby that much amount. Check with youremployer, chances are, that he would havegiven you a floater. Leave that be, getyourself insured individually. Insurerstypically give you a discount of about fiveper cent on the premium if the entire

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THe National Health Insurance Company– Daman has grown to become one ofthe country’s leading health insurers overa period of just eight years. As specialistsin health insurance, Daman is passionateabout what it does, and has dedicatedfull resources to introduce unique,innovative solutions that supportemployers inproviding thebesthealthcarebenefits to its staff.The insurance firm is entrusted with

providing quality healthcare solutions to2.5 million members, who it servesdiligently and with utmost care. Many ofthese members are employed in a widerange of companies, many of which arethe largest and the best in their fields inthe UAe — a testament to the quality ofservice Daman provides.While the best testament to the quality

of its services come from its members,industry leaders from across the regionas well continuously applauded Daman’sefforts year after year. Daman isfrequently awarded the ‘medical insurerof the year’ in different regional industryawards. it has also been named the “Bestemployee benefit provider”, which showsthat the best benefit employers couldprovide their staff is a health insuranceplan from Daman.Over the years, Daman has introduced

many initiatives as ‘firsts’ in the region.These initiatives were all designed withthe convenience of clients (as employers)and members in mind. The first was theintroduction of online services thatprovide members and clients with tools

to manage their policies and submit anumber of applications from the comfortof one’s home without the need to visitits offices. These online services remainunmatched in the UAe since theirintroduction five years ago.Another important initiative is the

introduction of its Health Support serviceswhich provide members with chronic andspecial health conditions — such asdiabetes, breast cancer and maternity—with a dedicated member of Daman whowould help them understand theirconditions and support them through thetreatment in partnership with theirdoctor.Daman has recently become one of

only seven insurers licensed to insure allemployees working in Dubai as part ofthe mandatory health insurance law. Itis offering different health insuranceplans that cater to every employee inyour organisation.Here is a basic guide of plan categories

that match each employee level:

These are broad categories with someincluding a number of tiers that helpemployers choose a suitable plan for theirstaff as per their budgets. each tier isdistinguished by the benefits it providesand the healthcare providers accessibleby members.Daman encourages you to contact

them and consult with one of its healthinsurance specialists, who would behappy to help you find the best healthinsurance plans for your employees.

employers can call Daman on800-4-32626 or e-mail [email protected]

Your health insurancespecialistsDaman is entrustedwith providing qualityhealthcare solutions to2.5 million members

The firm has been namedthe “Best employee benefitprovider”, which shows thatthe best benefit employerscould provide their staff isa health insurance planfrom Daman.



EmployEEHEaltH InsurancEHandbook

P . O . B o x 3 0 0 0 D u b a i , U . A . E . , T e l . : 2 8 2 3 2 6 6 , F a x : 2 8 2 3 4 9 0 , w w w . u n i c . a e

LIFE HEALTH ENGINEERING PROPERTY MARINE & HULL INDUSTRIAL LIABILITIES MOTOR

Al-Ittihad Al-Watani General Insurance Company For The Near East

family buys health insurance from thesame insurer.

Critical illness plans

These plans have become the flavouramongst life insurers. This cover is eitherbundled with the main plan or is offeredto you as a standalone. Critical illnesstypical ly offers you lump sumreimbursement upon diagnosis of typically

six critical illnesses: Heart Attack, MajorOrgan Transplant, Cancer, End Stage RenalFailure, Coronary Artery Bypass GraftSurgery and Stroke. Once this lump sumis paid out, the policy ceases.But the downside of it is that once the

claim is invoked, the policy ceases to exist,so in the subsequent years the policyholderis left uninsured.Moreover, the policyholderneeds to survive for amonth from the dateof diagnosis to claim the sum. An early

Abu Dhabi National Insurance Company�Abu Dhabi National Takaful Company - Takaful�Al Ain Ahlia Insurance Company�Al Buhaira National Insurance Company�Al Dhafra Insurance Company�Al Fujairah National Insurance Company�Al Khazna Insurance Company�Al Sagr National Insurance Company�Al Wathba National Insurance Company�Al-Ittihad Al-Watani General Insurance Company�Alliance insurance Company�American Life Insurance Company�Arab Orient Insurance Company�Arabia Insurance Company�Arabian Scandinavian Insurance Company�AXA Gulf�Daman, National Health Insurance Company�Dar Al Takaful� pjSCDubai Insurance Company�

Dubai Islamic Insurance & Reinsurance Co (Aman)�Emirates Insurance Company�Green Crescent Insurance Company�Iran Insurance�Islamic Arab Insurance Company (Salama)�Lebanese Insurance Company�MetLife�National Life & General Insurance Company�Noor Takaful Family pjSC�Oman Insurance Company�Qatar Insurance Company�Ras Al Khaimah National Insurance Company�Royal & Sun Alliance Insurance (Middle East) Ltd�Saudi Arabian Insurance Company�Takaful Emarat�Union Insurance Company pSC�United Insurance Company�Zurich Insurance�

List of heaLth insurers in the uae

death and the entire claim can be refused.The hospitalisation cost however has tobe borne by the policyholder till the timehe gets the insurance money.If you want to buy critical illness policy

to bump up your sum insured, go for aseparate health insurance policy alongwith critical illness policy. Clubbing themwould lead to loss of both if you invokedthe cover.

— [email protected]




Saudi arabian insurance Companyb.S.C (C) (SaiCO) is a closed joint stockcompany incorporated in bahrain totransact all classes of insurance. SaiCO(www.saicoins.com/gulf) has a network ofestablished branches in bahrain, Oman,Kuwait, dubai and abu dhabi.in Saudi arabia, SaiCO (www.saico.com.sa) is a founding shareholder in Saudiarabian Cooperative insurance Company,one of the leading publicly listed insurancecompanies.in Lebanon, SaiCO’s sister company Saudiarabian insurance Company S.a.L (www.saicoins.com/lb) is one of themainmarketplayers.With its network of offices, its affiliated

and associated companies in the MiddleEast, SaiCO is able to insure and serviceclients in several territories within theMiddle East.SaiCO provides healthcare as well as

other lines of insurance and has anexcellent reputation among clients andpeers. SaiCO is one of the Middle East’swell-established distributors of insuranceproducts and services with long successfulhistory in the region.SaiCO has collaborated with Cigna, a

global health insurance company to deliversuperior and quality benefit plans foremployees and their families.The following SaiCOHEaLTH products

are reinsured and internationally servicedby CiGna:

Premier Plan• – The primary medicalproduct, covering in full in- and out-patient benefits, including acute andchronic conditions, primary care,materni ty cover, congenita labnormalities and emergencyservices.

Premier Plus Plan• – Same as above,

Secure your tomorrowSaudi ArabianInsurance Companyoffers a range ofinsurance products to suityour needs

but additionally includes wellnessbenefits (physical examinations,screening, mammograms, papsmears, etc.)

Middle East Level 2 Plan• – Sameas premier plan, without routine orcomplicatedmaternity, and co-pay foroutpatient consultations.

Middle East Level 3 Plan• – Sameas Middle East Level 2 above, andoffers enhanced maternity limits.

Middle East Level 4 Regional Plan•– Same as Premier Plan, with a lowerannualmaximumcover, out of networkcoinsurance, optional routinematernity, and a coinsurance on alloutpatient treatment.

Dental Plan• – an optional plan thatcovers investigative, restorative andorthodontic dental treatment.

Vision Plan• – Provides cover for anexamination and also covers additional

expenses that may be incurred forframes and lenses.

International EAP (IEAP)• – Offersthree levels of counselling fromtelephonic to face-to-face, in order tomeet the needs of your expatriateemployees and families.

SAICO provides healthcareas well as other lines ofinsurance and has anexcellent reputation amongclients and peers. SAICOis one of the Middle East’swell-established distributorsof insurance products andservices with long successfulhistory in the region.


The UAe is becoming a healthcare hub forthe Middle east. Over the past few yearsmany healthcare providers have improvedtheir service quality by bringing inmodernequipment, upgrading facilities, increasingthe number of available doctors anddiversity of specialties offered. At the sametime, we havewitnessed several new high-end providers coming to the emirates,raising the bar even further.however, this quality improvement has

had a side effect for residents too —increase in the cost of medical services.Samira Farouqi, head of Medical andTravel Insurance at Iran Insurance, said,“At the moment, treatment of someconditions is so expensive that bearingtheir cost is not easy even for someemployers.” That is not the whole problemthough. She added, “Unfortunately,patients are usually unpreparedfinancially,when they find their health issue coming

MOVING INTHERIGHTDIRECTIONIran Insurance aims tooffer quality healthcarecoverage for all

out of the blue.”Just like any other risk, insurance is an

effective tool to manage such events. Asthe costs are rising, it is no surprise thatarranging medical insurance for staff hasbecome a trend over recent years.

Under these circumstances and toprotect all residents, DhA’s initiative formandatory medical insurance is veryhelpful. “We hope to see no patientpostponing treatment due to lack ofmoneyin the near future,” concluded Samira.

At themoment,treatmentof someconditions isso expensivethat bearingtheir costis noteasy evenfor someemployers.

Samira Farouqi


ZURICH INSURANCE.FOR THOSE WHO TRULY LOVE THEIR BUSINESS.

WE CAN HELPYOU TURN YOUR

EMPLOYMENTPACKAGE INTO

A REAL INCENTIVE

OUR INTERNATIONAL CORPORATE SAVINGS ANDPROTECTION PRODUCTS CAN HELP MAKE YOUROFFER MORE ATTRACTIVE.

With fewer skilled staff to go around, recruiting highquality people is fast becoming a challenge thatcompanies of every kind need to urgently address. Andit is not simply about persuading new people to join you.You also need to reward and manage your staff effectivelyif you want to retain those you value most. Introducing aflexible, comprehensive benefits strategy is one way tomeet the expectations of both prospective and currentemployees. We can offer you a range of solutions thatoffer the extra retirement benefits and protection packagepeople are looking for to safeguard their assets, theirfamilies and their futures. And because we are a globalcompany, we can even tailor our packages to suit theneeds of international operations with a mobile workforceand offices in different locations worldwide.

FOR MORE INFORMATION CONTACT PETER COX,TEL: +971 (4) 425 2427, [email protected]

Zurich International Life is the business name of Zurich International Life Limited and Zurich Life Insurance Company Ltd.Zurich Life Insurance Company Ltd and Zurich International Life Limited are registered (Registration Nos. 62 and 63) under UAE Federal Law Number 6 of 2007, and its activities in the UAE are governed by such law.

Many people have gonethrough their annual benefitsenrolment period at theirwork. Precious time wasspent reviewing the available

offerings with spouses and determiningwhich ones bestmeet their families' needs,weighed against the cost. Yet a goodnumber may not have taken the time toreview their company's benefit plans andmay not be aware that what's availableand what they selected could fall short ofmeeting their needs.Does your benefit package really

measure up? Forty per cent of employeesdon't understand their benefits, accordingto a 2011 ADP Research Institute study,which means many may be underutilising

available resources for retirementplanning, health care and insurance.Sometimes the benefits offered are a goodstart towards financial protection, butemployees don't realise that these benefitsare intended to be just that — a start —and additional coverage may be neededto help fill in the gaps."When a household income earner is in

good health and able to bring home thepaycheque every week, families oftenforget about those other benefits availablefrom the company," says Melissa Millan,Senior Vice-President, MassachusettsMutual Life Insurance Company. "Everyoneshould carefully review their benefits, anddetermine if any additional insuranceprotection might be needed to keep thefamilyfinancesonanevenkeel if somethingshould happen to affect that weeklypaycheque."Two benefit areas that are often

misunderstood or left untouched are lifeinsurance and disability insurance. If youhave these benefits offered to you by youremployer, consider how they can help youout financially.

Life insurance:Many employers will offergroup term life insurance as part of theirbenefit package, with the option foremployees to purchase additional coverageon their own by having the additionalpremium payments deducted from theirpaycheque. One reason employees mightwant to consider purchasing additionalcoverage through their employer isbecause theymay not need to provide anyhealth information or be pre-approvedmedically like they would be if they wereto purchase it outside the workplace.

Employees should be aware: Theymight not want to rely solely on group termlife insurance. Because it's offered as abenefit via their employer, the employercould decide to discontinue offering thebenefit. If the employee leaves thecompany for any reason, coverage couldbe lost, if there are no options to take thecoverage with you. Instead, considerbalancing the benefit offered through youremployer with an individual life insurancepolicy. With individual life insurance, youare the owner of the policy, can purchase

Does your employer packagemeasureup?Always review thebenefits to ensure asecure future for youand your family



the amount of coverage you truly need andbring it with you if you leave the company.If you purchase additional insurance, eitherat work or outside of work, it's alwaysimportant to understand your ability tokeep the coverage, regardless of youremployment relationship.

Disability insurance: Employers oftenwill provide group long-term disabilityplans that replace a portion of theemployees' incomes, if they suffer anillness or injury that prevents them fromworking for an extended period of time.However, the gap between the amount ofsalary replaced by the group insuranceand the employee's pre-disability incomemay be larger than many people realise.Typically, many group plans replace onlya portion of employees' total salaries— 50to 60 per cent, on average. Additionally,many group disability plans don't covercommissions or income from bonuses, acritical component of many individuals'incomes. An extended period of disabilitycould cause financial consequences for anindividual or family. To help reduce theincome gap, having an individual disabilityincome insurance policy can help youcontinue to pay your bills and avoid tappinginto your savings. — BPT

DAr Al TAkAful PJSC was established in2008 with a paid up capital of Dh100 millionas an Islamic Insurance Company based inDubai providing Shariah-compliant solutionsfor their clients’ insurance needs.Dar Al Takaful PJSC is a local insurance

company that is innovative, professional andprincipled. Corporate decision-making is inclose proximity to the needs and wants of itsclients. Dar Al Takaful’s clients’ insuranceneeds and expectations are backed up by astrong group of investors who provide thesupport and solid financial foundation thatallows them to feel safe and secure – nomatter what line of business.As an Islamic insurance company in the

uAE,Dar Al Takaful PJSC’s business operationsare Shariah-compliant and this aspect isoverseen by a distinguished fatwa andShariah Supervisory Board.

A local insurance company, Dar Al Takaful PJSC isinnovative, professional and principled

Shariah-compliantservices

As an Islamic insurancecompany in the UAE,Dar Al Takaful PJSC’sbusiness operations areShariah-compliant andthis aspect is overseenby a distinguishedFatwa and ShariahSupervisory Board.


can be customised as per employer’srequirements with hassle-free, instantcoverage and very less documentation.It comes in distinct pre-packaged plans

to meet employees benefit needs andbudgets, and it offers plans for theNorthernEmirates, and for Abu Dhabi that is dulyapproved by Health Authority of Abu Dhabi(HAAD). The newplan offers a streamlined,easy and efficient process for companieswho wish to enrol their employees and tomembers of employee’s family under onemaster contract.Takaful Emarat, in its capacity as a

specialised life and health takaful company,will continue to create products andsolutionsthatcater toall typesofconsumers,regardless of their income brackets withthemission of not onlymeeting their needs,but exceeding them.

Bundledwith benefits

Takaful Emarat, in itscapacity as a specialised lifeand health takaful company,will continue to createproducts and solutionsthat cater to all types ofconsumers, regardless oftheir income brackets withthe mission of not onlymeeting their needs, butexceeding them.

TAkAful EmArAT, the uAE-headquarteredShariah-compliant life and HealthInsurance Company is chosen as one ofthe seven companies who will be offeringthe compulsory health insurance forcompanies in Dubai. furthermore, we arethe only takaful company permitted toprovide this coverage in Dubai. One newlandmark of Takaful Emarat for providingquality life and health insurance.Wael Al Sharif, Chief Executive Officer

at Takaful Emarat, said, “With this newdevelopment fromDHA, Dubai is wideningour reach to include those who are lessfortunate and who are in utmost need ofa plan that safeguards their healthcareneeds. We are committed to serving theneeds of different sectors of the market.As a genuine takaful operator we specialisein life and health insurance, offer deeperunderstanding and better services whencompared to other providers, who offertakaful-based products as one arm of awider business. Our product offerings arealways centred on the market needs.“Based on our in-depthmarket research,

we have designed a plan that covers risksof injury, illnessandprotects theemployeesfrom certain unforeseen circumstances.As a takaful operator, we felt thatemployees' needs must be addressed in

Takaful Emarat offerspersonalised plansalongside local, regionaland global coverage

a way where they can not only get quickhealthcare service and low upfront cost,but also an easy access tomedical facilitiesin their vicinity.”Takaful Emarat’s Health Plan is a group

comprehensive health insurance TakafulPlan bundled with life and disabilitybenefits, which provides access to qualityhealth insurance at an affordable cost. Itoffers wide range of tailor-made benefitsto meet the health requirements ofemployees. The plan also offers local,regional/global coverage and varyinglevels of medical network provider/s likehospitals, pharmacies and laboratories forquick access with flexible annual limits that



Jérôme Droesch Ghulam Mohammed Teli

Dubai Health authority (DHa) has chosenaXa Gulf, one of the largest non-lifeinternational insurers in the Middle East,as a Participating insurer to offer healthinsurance coverage under the EssentialBenefit Plan.aXa Gulf’s nomination as a Participating

insurer is a major step forward in itsjourney as the preferred insurance providerin the country. With the new healthinsurance permit, aXa Gulf is reinforcingits market leadership and is set for asignificant growth in members as well asservices across the UAE. Currently, AXAGulf is servicing more than 425,000members across five countries.Jérôme Droesch, CEO of AXA Gulf, said:

“We are extremely honoured to benominated as a Participating insurer andbeing given the permit to offer thecomprehensive Essential benefit Plan

Extending care for everyoneDHA selects AXA Gulf asParticipating Insurer to offerhealth insurance coverageunder the Essential Benefit Plan

mandatoryasper thenewHealth insuranceLaw. This once again reinforces ourgrowingmarket reputation and leadershipin the insurance sector. We are geared tohandle the additional members andservices required of us in line with the newlegislation. In fact, we have alreadymobilised our resources for the same. Iam sure the efforts we have made on thequality of service, our global expertise andour innovative solutions have supportedour submission.”He added, “aXa Gulf has serviced more

than 425,000 members in 2013 acrossfive countries. The number of membershas increased significantly between 2011and 2013 both in the UAE and in Dubai atmore than 115 per cent and 124 per cent,respectively. This demonstrates AXAGulf’scapability to absorb significant growth interms of additional members and relatedservices with ease.“Since inception, we have always

tailored our products and services in linewith the requirements of our customers.With the new Participating Insurer permit,we have gone one step ahead in ourjourney to be the one-stop service providerin health insurance for anyone— be it anycompany or an individual looking for thebest, most accessible and the effectivehealth insurance cover for self or familymembers. AXA Gulf’s platform has thecapacity to immediately absorb asignificant increase in the number ofmembers with the Essential Health BenefitPlan while maintaining the same qualityof service. So we are well equipped forthe future growth trajectory,” said GhulamMohammed Teli, Chief Officer Health andLife, AXA Gulf.


PeoPle insure their homes, theircars and even their vacationswithout giving it a secondthought. But many do not thinkabout insuring their most

important asset — their income — froma disability caused by illness or injury.And it's not just income during workingyears that is at risk. A disability can alsoput a serious dent in your ability to enjoyretirement.That can happen in two ways: When a

family loses its usual source of income dueto a disability, sometimes the onlyalternative is to dip into retirement savingsto cover normal household expenses. Andeven if you don't have to take money outof savings to replace income, the otherconsequence of a disability is that itdecreases your potential to contribute to

Protecting your paychequeGive yourself someprotectionwith insurance

your retirement plan.From the moment you start working

until the day you retire, your ability toearn an income is your most importantfinancial asset. Consider this example: ADh240,000 annual salary results in Dh9.6million earned over a 40-year career, andthat doesn't take into account inflation,salary increases, or the long-term growthpotential of money invested in retirementsaving vehicles along the way. If adisability prevents the individual fromearning this income, or requires him toaccess a portion of what's already beensaved, it can have devastating impact onretirement dreams.Recent research demonstrates the need

to prepare for the unexpected. The GreatRecession has reminded us that we cannotafford to lose our incomes. But we alsoneed to remember that our chances oflosing our incomes are determined bymore than just our employers' viability orour career success.In the minds of consumers, few things

seem more unexpected than a disability.

one way to prepare for the possibilityof being unable to work is disability income(DI) insurance, designed to help pay livingexpenses, maintain lifestyle needs andpreserves assets accumulated for retire-ment and other purposes. Many employ-ees think that coverage they get throughtheir employer's group disability policy isenough. They should think again.Group DI typically has a cap at 60 per

cent of salary; other formsof compensationlike bonuses or commissions may not becovered. In addition, the benefits aretaxable. So, if earning less than two-thirdsof one's current salary would make itdifficult tomake endsmeet as well as worktoward goals like continuing to fundretirement, it's important that anotheroption be considered to bridge the gap.That option is an individual DI insurance

policy.

Employee Health Insurance

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