The Virtual Guidance Tool, which can be customized for large employers and is available free of charge, includes product tutorials that encourage users to view content at their own pace and decide on the most appropriate benefit options based in part on questions about their lifestyle.
Citing a 2009 report by the Council on Disability Awareness showing that unexpected illnesses and injuries cause 350,000 personal bankruptcies each year, the carrier cautioned that many working Americans are ill-prepared for the financial burdens resulting from a critical illness or accident.
In addition to lost income, sick or injured employees may incur mounting expenses associated with child care and travel to treatment centers.
