You don’t need a massive paycheck to live a comfortable life. School districts have been taking advantage of trending and affordable benefits to keep a smile on their employees’ faces for decades. Teachers and other faculty members tend to think their benefit offering is a “what you see is what you get” deal. In reality, employers would love to hear feedback on how they can improve their offering.

Coming from a company who’s worked closely with teachers since our inception, we know which benefits educators need to achieve peace of mind.

A comprehensive benefits package should already include the likes of life, medical, dental, and vision insurance, so here are a couple other voluntary benefits you may want to ask for:

 

1. Accident Insurance

Accidents are hard to predict but easy to prepare for.

 

 

If you’re like 46% of Americans who don’t have enough money to cover an unexpected $400 expense, you’re probably not financially prepared for an accident.

Accident insurance provides a cash-benefit when you suffer an injury from a covered accident. You can use this money to help minimize medical expenses or pay toward other out of pocket costs. No matter how careful you are, someone out there may be equally as reckless. It’s a cliché for a reason: Accidents lurk around every corner. Accident insurance is an affordable alternative to having to dig into your savings if an accident were to happen.

 

2. Educator Disability Insurance

A disability policy tailor-made for educators.

 

 

If you’re thinking whether or not you need disability insurance, just ask yourself this question: How long would you be able to go without earning your paycheck? If your palms got a little sweaty crunching the numbers, chances are you need it.

It’s hard for employers to choose between short and long-term disability benefits for their employees, though. The best part about Educator Disability is that it combines the best of short and long-term disability, eliminating the need for employers to choose between the two. Whether you’re expecting a new addition to the family or are suffering from an illness or injury, you’ll receive financial assistance in the form of a cash benefit. If you’re unable to work, your paycheck will be protected.

So do your employer a favor and let them know there’s no need to choose between short and long-term disability because Educator Disability offers the best of both!

 

3. Hospital Indemnity Insurance

A little extra cash goes a long way.

 

 

When you’re in a hospital bed, bills add up quickly. On average, hospital stays last 5 days and cost $2,000 per night.

Hospital Indemnity Insurance issues a daily, weekly, or monthly benefit for in-patient care and is paid directly to you for incurred expenses. The coverage is supplemental, so it works in addition to other benefits like accident insurance.

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What other employee benefits do you think you’ll be asking your employer for? Share your thoughts in the comment section below! If you want to learn more about the benefits mentioned above, get in touch with us by clicking HERE!

 

Jon Kirschner is the Content Coordinator for MGM Benefits Group. As a sports writer, his work has appeared on Fox Sports, MSN and Inside Pulse. His aim as the lead writer for this blog is to raise awareness about the importance of employee benefits.