Helping you achieve clients' participation goals at enrollment time
Our new education hub is a great resource for you and your clients to help employees understand the value of voluntary (employee-paid) benefits from Principal®... and the importance of their participation.
With 73% of employees wanting more education about their benefits
, you—and our new Employee Benefits Essentials—can be a key resource in providing that education during your clients’ annual enrollment.
Copy and paste the benefit descriptions below into the benefit administration platforms to help your clients and their employees understand the benefit options available. Please note that items in brackets indicate placeholders for variable content that you will need to update.
- If you or a covered dependent are injured in an accident after your benefit starts, you’ll receive a lump-sum payment.
- Examples of accidents: broken bones, concussions, stitches, and sports injuries.
- Benefit payments can be used for anything you choose.
- Benefit amounts are paid based on injury: accident insurance benefit schedule.
- Simplified claims process: a confirmed diagnosis by a doctor is needed, but itemized receipts are not required.
- Receive an additional [$50, $100, $150] payment each year by submitting a claim after getting one of these eligible health screening procedures.*
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Accident insurance video (1:14)
Wellness benefit flyer
Accident insurance education web page
* Not available in all states. Refer to your benefit booklet for a list of covered tests and amount covered.
ACCIDENT INSURANCE PROVIDES LIMITED BENEFITS.
- If you or a covered dependent are diagnosed with an eligible illness after your benefit starts, you’ll receive a lump-sum payment.
- Covers some of the most common serious illnesses, like:
- Cancer
- Heart attack
- Stroke
- Alzheimer's disease
- Coma
- Bipolar disorder I
- Post-traumatic stress disorder
- View full list of covered illnesses.
- Benefit payments can be used for anything you choose.
- Receive an additional [$50, $100, $150] payment each year by submitting a claim after getting one of these eligible health screening procedures.2
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Critical Illness insurance video (1:30)
Wellness benefit flyer
Critical illness email sent to eligible employees
Critical illness insurance education web page
Critical illness claimant testimonial - Suzannah
Critical illness claimant testimonial - Eric
1. Specified disease in New York.
2. Not available in all states. Refer to your benefit booklet for a list of covered tests and amount covered.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFITS.
- If you or a covered dependent are hospitalized for 18 hours or more after your benefit starts, you’ll receive a lump-sum payment.
- Payments are larger for the first hospitalized day, then a reduced payment is paid for every following hospitalized day (to a limit specified in your contract).
- Benefit payments can be used for anything you choose.
- Receive an additional [$50, $100, $150] payment each year by submitting a claim after getting one of these eligible health screening procedures.*
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Hospital Indemnity insurance video (1:30)
Wellness benefit flyer
Hospital indemnity insurance education web page
* Not available in all states. Refer to your benefit booklet for a list of covered tests and amount covered.
HOSPITAL INDEMNITY INSURANCE PROVIDES LIMITED BENEFITS.
- Helps protect your income source if you become too ill or injured to work.
- Examples of short-term disabilities: maternity leave, appendectomy, hysterectomy, and knee replacement surgery.
- Can be elected at open enrollment (subject to evidence of insurability).
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Short-term disability insurance video (1:30)
Short-term disability insurance education web page
- Helps protect your income source if you become too ill or injured to work for a long or indefinite period.
- Examples of disabilities that could become long term: cancer, heart attack, and stroke.
- Can be elected at open enrollment (subject to evidence of insurability).
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Long-term disability insurance video (1:30)
Long-term disability insurance education web page
- Can purchase or increase life insurance through your employer for yourself and loved ones.
- The cost is automatically deducted from your paycheck.
- Can automatically enroll or increase your voluntary term life insurance election by two increments—no health questions asked (typically $10,000 for employees and $5,000 for spouse).
- Can increase by two increments up to the maximum benefit of [insert max]—no health questions asked.
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Group life insurance video (1:30)
Voluntary term life insurance education web page
Voluntary term life email sent to eligible employees
Voluntary term life insurance customer testimonial - Suzannah
- Helps cover costs for dental appointments.
- Includes preventive care, plus more extensive procedures, such as fillings and crowns.
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Dental insurance video (2:05)
Dental insurance education web page
- Helps cover costs for vision exams, such as preventive care.
- Includes benefits for glasses and contacts.
- Claim reimbursements are subject to contract provisions and review.
Employee education resources
Vision insurance video (2:05)
Vision insurance education web page
The resources below can help you and your clients prepare for a successful annual enrollment.
Our new Employee Benefits Essentials is the go-to resource for you, your clients, and their employees to learn more about our full suite of benefits. It includes FAQs, videos, and more to help make informed decisions at enrollment time.
All eligible employees will receive a personalized email from Principal during their employer’s annual enrollment period. This message will encourage employees to:
- Visit Employee Benefits Essentials to learn more about the Principal employee-paid benefits they’re eligible for—but not currently enrolled in.
- Contact you and their employer for more information about benefit costs, enrollment process, etc.
Share the resources below with your clients to help them achieve a successful benefits enrollment event:
- Benefits enrollment guide. This best-practices flyer outlines specific actions employers can take before, during, and after their enrollment event to empower employees to make informed benefit decisions.
- Enrollment email templates. Encourage your clients to use these customizable emails to inform their employees about:
Contact our team of enrollment specialists to help you:
- Further strengthen relationships with clients
- Stand out from the competition
- Maximize employee participation, while minimizing enrollment effort
- Increase sales opportunities
Leverage their support to:
- Participate in pre-sale and implementation calls to determine enrollment strategy
- Develop customized plans based on employer characteristics for onsite meetings, one-on-one counseling, virtual, and teleconferences at no cost
- Create best-practice enrollment strategies
- Understand benefit contracts, technology, enrollment forms, benefit premiums, and other resources
- Provide benefit education for new and existing clients
- Provide Spanish benefit education and enrollment assistance
I'm glad my employer has these options. It definitely makes me feel valued as an employee; makes me feel that they care about my family and who we are, other than just an employee.