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Help Protect Employee Financial Wellness Expanded Suite of Voluntary Benefits

Accident, Critical Illness, and Hospital Indemnity Insurances can provide employees with welcome relief from the unlucky, the unthinkable, and the unexpected.

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Why Your Workplace Needs Financial Wellness

The financial stress of out-of-pocket expenses1 from an accident or illness can make employees less productive at work. With Prudential voluntary benefits, employees don’t have to tap into savings to cover unexpected medical expenses. Voluntary benefits offer flexible solutions and can be tailored to work with a Health Savings Account, if you offer one.

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40% of employees

would struggle to pay a $400 emergency expense.2

10 million Americans

with health insurance will accumulate medical bills they can’t pay off this year.3

Medical Bankruptcies

are the leading cause of U.S. bankruptcies.4

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Prudential Voluntary Benefits Offer Guaranteed Coverage, Regardless of Health

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Accident Insurance

An unlucky accident can happen anywhere, anytime, to anyone. Even with health and disability coverage, employees may face significant expenses. Accident Insurance helps pay out-of-pocket costs,1 such as co-pays, deductibles, and more. Accident Insurance pays a lump sum benefit for covered injuries, such as a broken bone, that require medical attention.

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Critical Illness Insurance

An unthinkable critical illness can place emotional and financial stress on employees. Health and disability coverage may not cover all the expenses. Critical Illness Insurance helps provide a financial cushion, relieving the stress of having to tap into savings. Critical Illness Insurance pays a benefit for a range of illnesses, such as cancer, stroke, major organ failure, and dementia.

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Hospital Indemnity Insurance

An unexpected hospital stay can be expensive. Even a short hospital stay can add up to substantial uncovered costs,1 impacting an employee’s overall financial security. In addition to a hospital stay, Hospital Indemnity Insurance5 pays a benefit for services such as an emergency room visit, anesthesia, urgent care and ambulance, so employees can focus on getting better.

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Ready to Expand Your Financial Wellness Benefits? Let’s Talk

 

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Broker Administration

Licensing, Appointment, and Registrations

New Customers

Contact your benefits broker or consultant.

Already doing business with us?

Contact your Prudential representative.

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Better Service for Employers and Employees

We now offer easier integration across enrollment platforms. Simpler and smarter onboarding
and enrollments. A dedicated manager and servicing team across coverages. Plus, easier claims and billing.

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Simplified claims process

Employees can submit claims online,6 by email, over the phone, or on paper.

Faster decision process

Expert claim reviews provide benefit decisions in 5 business days. Proactive calls help complete missing information. Nurses help with complex claims.

Easier, direct payment

Simple lump sum benefit sent directly to claimants, to use how they see fit.1 Coordination of benefits with their medical plan isn’t required.

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Connecting Employees to Financial Wellness

We’re committed to making your workplace a wellness place. With personalized, customizable online experiences. Our Pathways seminar series with on-site financial guidance from advisors and counselors. And a data-driven approach that gives us insights into employee needs, at every life stage. All inspire employees to take action to improve their financial wellness.

Learn more about our financial wellness solutions.

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Count On Us to Help Solve Your Benefit Challenges

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twenty plus million covered employees7

97 percent client satisfaction8

number one brand considered by employers for financial wellness9

96 percent brand recognition among consumers10

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foot notes

Sources

  • 1 Expenses include medical and non-medical expenses.

  • 2 Board of Governors of the Federal Reserve System, “Report on the Economic Well-Being of U.S. Households in 2017.” May 2018.

  • 3 Prudential, 2017 Financial Wellness Study. Based on a survey of full-time employees who have medical insurance; therefore, the results may appear higher than comparisons to national averages.

  • 4 2018 NerdWallet Health & CNBC.

  • 5 Hospital Indemnity Insurance is not approved in all states.

  • 6 Available 1/1/2020.

  • 7 Life Insurance in Force (Exhibit of Life Insurance) | 2016 Statutory Annual Statement of Prudential (Blue Book).

  • 8 Prudential Group Insurance, 2015 Group Insurance. Customer Relationship Survey.

  • 9 Prudential/Phoenix Institutional Study of Group Insurance Brokers, 2017.

  • 10 Prudential Brand Image Study, April 2015.

 

The Prudential Insurance Company of America (Prudential)

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.

The Prutection Score® is a measure of how prepared a group of employees is for the risks of (1) premature death, (2) loss of income due to an illness or injury, (3) out-of-pocket expenses related to an illness or injury, and (4) outliving assets.  For each of these risks, the Prutection Score is the ratio of Funds Available to Funds Needed, which is estimated using employee demographic information, Prudential survey data, and a variety of credible external industry and government sources.  While the first three risks take into account actual coverage amounts employees have to help protect them against those risks (e.g., Life, Disability, CI, and Accident Insurance), the Outliving Assets risk does not (e.g., no actual employee retirement assets and deferral rates).  The Outliving Assets risk does not evaluate the sufficiency of employer’s or employee’s retirement plans and does not constitute retirement advice.  The Prutection Score is not intended to advise you or any of your employees what their specific financial needs might be or the exact amount of coverage any one individual might need now or in the future.  The resulting scores are to be used for an entire group of employees or large demographics within a group.  Results are not to be used at an individual level.  Individuals should contact a financial professional regarding their personal situation.  Prudential is not responsible for uses made of this information inconsistent with the description provided here.

Prudential Pathways® seminars are provided by a Prudential Financial Professional with The Prudential Insurance Company of America and are not intended to market or sell any specific products or services.  Offering these seminars do not constitute an endorsement of Prudential products or services in any way.

for compliance use only: 1020168-00002-00

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