Even with strong health insurance, employees can face major financial stress when they’re unable to work or when unexpected accidents occur. Deductibles, co-pays, and everyday living expenses add up quickly. That’s why income protection benefits are essential—they indemnify employees by replacing income and helping offset medical costsduring difficult times. At Benni, we make these coverages simple, affordable, and easy to administer through our free technology platform. Unlike traditional agencies that leave employees to navigate complex policies, we educate, communicate, and support usage so benefits actually deliver value when employees need them most.
Short-Term Disability Insurance
Short-term disability coverage provides employees with income replacement for temporary conditions like illness, injury, or maternity leave. This helps them keep up with deductibles, bills, and daily expenses while they recover. At Benni, we streamline enrollment and claims tracking through our free administration platform, making the process simple and stress-free. Most agencies just “check the box” with this benefit, but we go further—ensuring employees understand how short-term disability fills the income gap and protects their financial stability. The value is clear: peace of mind for employees and a more loyal, secure workforce for employers.
Long-Term Disability Insurance
When a serious illness or injury prevents an employee from working long-term, the financial impact can be devastating. Long-term disability insurance provides ongoing income replacement that indemnifies employees against lost wages and large out-of-pocket costs. At Benni, we make long-term disability a cornerstone of protection, not an afterthought. Through digital education, communication tools, and lifetime consulting, we help employees see the real value of this coverage. While other agencies may stop after offering the policy, we ensure employees are empowered to use it—and employers benefit from higher retention and reduced stress across the workforce.
Accidental Death & Dismemberment (Ad&D) Insurance
Accidents happen, and when they do, employees and their families face sudden costs that health insurance doesn’t always cover. AD&D insurance provides lump-sum payments that can offset deductibles, ongoing care expenses, or lost household income in the event of a severe injury or death. At Benni, we position AD&D as a powerful, affordable way to strengthen financial security. Unlike agencies that present it as a confusing rider, we integrate AD&D clearly into the benefits package and make it easy to understand through our platform. For employers, it’s a low-cost way to provide high-value protection; for employees, it’s security when life takes an unexpected turn.
Long-Term Care Insurance
Long-term care costs—whether for nursing care, assisted living, or in-home support—can quickly drain savings and overwhelm families. Long-term care insurance helps indemnify employees by covering expenses that health insurance doesn’t pay for, protecting both their income and their family’s financial future. At Benni, we provide flexible options and embed enrollment and communication into our technology platform. Most agencies leave employees on their own to navigate these complex plans, but we provide lifetime consulting and education so they understand the importance of planning early. Employers benefit by offering a unique, future-focused benefit that demonstrates genuine care for their workforce.
Questions & Answers
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