Nurses
Your group benefits are a start. Here is what they may leave open.
Shift work, long hours and changing workplaces make your coverage harder to track. A free conversation can help you see the gaps.
Check what your group plan covers
Many employers offer group benefits. Read what they cover, what they stop paying, and what happens to them if you change jobs or leave the workplace.
- How much of your income a disability benefit replaces, and for how long
- Whether life insurance is tied to your job
- Whether coverage continues if your hours or contract change
Protecting your income on shift work
If an injury or illness keeps you from working, your income can stop while your bills continue. Individual disability insurance is one way to protect it. Ask about the waiting period and how the policy defines disability.
Questions to bring to a conversation
- What does my group plan pay, and for how long?
- What would I keep if I changed employers?
- Which policy wording should I read before I rely on it?
