A report released by Aflac found that small-business employees may be among the happiest people in the workplace. In fact, 85 percent of these employees are happy in their current job, and 51 percent agree that most of their happiness in their current job is because they work for a small business. 

Although small businesses are excelling at keeping employees happy, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them even happier, according to the Small Business Happiness Report. This means advisers can help clients see where they may have room to improve. With small-business employees putting so much stock in benefits, it is important for clients to choose benefits that can help workers maintain their lifestyle if an unexpected illness or accident occurs. Supplemental coverage is especially important for small-business employees, and below are some reasons advisers can share with clients to help ensure their employees have protection they can be happy about. 

Benefits beyond the basics