What is typically included in the benefits of employer-provided health plans?

Employer-provided health plans typically include disability coverage as a core benefit. This coverage is designed to provide financial support to employees who are unable to work due to a non-work-related illness or injury. Many employers recognize the importance of safeguarding their employees' financial well-being during times when they are unable to earn an income, which is why disability coverage is commonly integrated into health plans.

In addition to disability coverage, employer-sponsored health plans may also encompass a variety of other health-related benefits. However, while life insurance, health savings accounts, and premium discounts for lifestyle changes can be part of some employer offerings, they are not as universally included as disability coverage. Each employer’s benefits package can vary widely based on factors such as company size, industry, and company policies, but disability coverage remains a staple.