In the current benefits world, Dental insurance is largely an employer-paid product, while cancer insurance is a voluntary product. My question is…Why? Perhaps, the reason is the lack of a thorough thinking and evaluation process. If you look at it with an open mind, cancer insurance should be an employer-paid product exactly as Dental insurance is. Allow me to explain why.
When evaluating the risks to your business or client of an employee, contracting cancer versus needing a dental procedure, which one has the greater business disruption risk, HR risk, financial risk, health risk and psychological risk? Let's evaluate each one of these.
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