Group benefits are a type of insurance coverage or employee benefit plan provided to a group of people, typically employees of a company or members of an organization. These benefits are designed to provide various types of coverage or perks that can help protect and enhance the well-being of the participants. Here are some common types of group benefits:

• Health Insurance: Covers medical, dental, and vision expenses for employees and their dependents. It may include preventive care, emergency services, and prescription drugs.

• Life Insurance: Provides a death benefit to the beneficiaries of an employee in the event of their death. This can help cover funeral costs, outstanding debts, and provide financial support to the family.

• Disability Insurance: Offers income replacement to employees who are unable to work due to illness or injury. Short-term disability covers temporary conditions, while long-term disability covers more prolonged disabilities.

• Accidental Death and Dismemberment (AD&D) Insurance: Provides benefits in case of accidental death or injuries resulting in loss of limbs or other severe disabilities.

• Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): Allow employees to set aside pre-tax money for qualified medical expenses. HSAs are usually paired with high-deductible health plans.

• Voluntary Benefits: Additional insurance options that employees can choose to purchase, such as critical illness insurance, hospital indemnity insurance, and pet insurance.