Protecting Employees
from the Unexpected
Employers strive to offer the best benefits package within their budget. Unfortunately, even the most comprehensive health plans still leave employees responsible for significant out-of-pocket expenses — expenses they're not prepared for until they happen. NHW's worksite benefit solutions close those gaps.
Why Worksite Benefits Matter
The indirect cost of an illness or injury isn't something most employees think about — until it becomes a reality. A high deductible, a hospital stay, an accident that keeps someone out of work for weeks. These events create financial crises that impact not just the employee, but the business.
NHW helps businesses provide their employees the opportunity for financial wellness and peace of mind — creating a happier, healthier, more engaged workforce. Our worksite benefit solutions are designed to complement existing health coverage and fill the gaps that group plans leave behind.
Our Worksite Benefit Solutions
A comprehensive suite of voluntary and supplemental benefits designed to protect employees at every stage of a health or financial event.
GAP Insurance
Covers all or part of an employee's medical deductible and co-pays — the most common source of financial stress when a health event occurs. GAP coverage ensures employees can access the care they need without fear of what it will cost.
- Covers employee medical deductible
- Includes co-pay coverage
- Works alongside existing health insurance
- Reduces financial barriers to care
Accident Insurance
Helps employees cover unexpected out-of-pocket medical expenses related to an accidental injury — including deductibles, co-pays, and household expenses during recovery. Accidents happen without warning, and this coverage ensures they don't become a financial crisis.
- Covers accidental injury expenses
- Includes household expense support
- Benefits paid directly to employee
- On and off the job coverage available
Critical Illness Insurance
Allows employees to focus on their recovery by providing a lump-sum benefit to help pay the direct and indirect costs related to a covered critical illness — including cancer, heart attack, stroke, and more. Cancer coverage includes benefits for chemotherapy, surgery, and hospitalization.
- Lump-sum benefit paid upon diagnosis
- Covers cancer, heart attack, stroke, and more
- Cancer benefits: chemo, surgery, hospitalization
- Employee chooses how to use the funds
Hospital Indemnity Insurance
Provides additional coverage to help supplement the gaps in today's high-deductible medical plans. Hospital and ICU stays are among the most financially damaging events an employee can face — this coverage provides a daily benefit to offset those costs.
- Daily benefit for hospital admission
- ICU coverage included
- Complements high-deductible health plans
- Benefits paid regardless of other coverage
Disability Insurance
Helps replace part of an employee's income if they are unable to work because of a covered injury or illness — whether on or off the job. For most employees, their income is their most valuable asset. Disability coverage protects it.
- Short and long-term options available
- On and off the job coverage
- Percentage of income replaced
- Reduces financial panic during recovery
Life Insurance
Whole Life, Universal Life, and Term Life insurance options provide a lump-sum benefit for employees' families when they need it most. Offering life insurance as a worksite benefit is one of the most valued things an employer can do — and one of the most affordable.
- Whole Life, Universal Life, and Term options
- Lump-sum benefit for families
- Employer-sponsored or voluntary
- Portable coverage options available
What Worksite Benefits Do for Your Business
A well-implemented worksite benefits package doesn't just protect employees — it measurably improves the health of your business.
- Replacement cost for one employee: 50–200% of annual salary
- Employees with strong benefits show 25% higher retention rates
- Reduced hiring and training expenses directly improve profit margins
- Institutional knowledge stays in-house, improving operations
- 35% of job candidates rank benefits as a key employment decision factor
- Smaller companies can now offer total package value that matches larger competitors
- Strong benefits package increases application quality and candidate caliber
- Reduces time-to-hire and improves recruitment success rates
- Financially stressed employees are 3–4x more likely to be distracted at work
- Absenteeism related to financial stress costs employers $2,000+ per employee annually
- Employees with strong financial protection show 8–12% higher productivity
- Improved focus translates to better quality work and faster output
- Early treatment prevents 40% of catastrophic health events
- Employees with supplemental coverage use preventive care 2x more often
- Fewer emergency room visits and hospitalizations lower group claims
- Healthier workforce means fewer sick days and better group health outcomes
- Employees with strong benefits show 27% higher job satisfaction
- Loyal employees are 3x more likely to recommend your company as an employer
- Engaged workforce improves customer satisfaction and company reputation
- Reduces toxic workplace issues and improves company culture overall
The NHW Approach to Worksite Benefits
NHW doesn't just place benefits — we manage the entire process. From selecting the right products for your workforce to enrolling every employee and educating them on how to actually use their coverage.
Our personalized benefit counselors work directly with each employee so they understand what they have and feel confident using it. That drives utilization — which is what makes the program deliver real results for your business and real value for your employees.
Ready to Protect Your Employees?
Schedule a free consultation. We'll assess your current coverage, identify the gaps, and recommend the right worksite benefits for your workforce.
Schedule Free ConsultationAvailable in all 48 contiguous states · No obligation