Complement the medical plan
Dental, vision, life, disability, and other available benefits serve different purposes. Supplemental coverage generally is not comprehensive major medical insurance. Compare what each product pays and what it leaves out.
Consider what changes when someone leaves
Continuation, conversion, portability, and eligibility provisions vary by benefit. Ask what happens after a job change, leave of absence, or other qualifying event.
Give the package a yearly checkup
Hiring patterns, work locations, and employee needs change. Review enrollment, questions employees are asking, and whether the current employer contribution still fits the budget.

