Benefits
Critical Illness & Accident Insurance FAQs
for Employers
Alabama, Texas, Georgia, Tennessee, Mississippi, Florida, Louisiana and any other state
Supplemental coverage can feel complicated. At Parsons Employee Benefits, we simplify it with clear answers to the most common employer questions — so you can make confident, informed decisions.
THE GOAL OF COVERAGE: TO PROTECT, SIMPLIFY, EMPOWER
Common Questions Answered
What is critical illness insurance and how does it work?
Critical illness insurance provides employees with a lump-sum payment if they are diagnosed with a serious condition, such as heart attack, stroke, or cancer. This cash benefit can be used however they need — to cover medical bills, replace income, or handle everyday expenses while they recover.
How does accident insurance support my employees financially?
Accident insurance offers financial protection when employees experience unexpected injuries. It pays cash benefits that can help cover medical expenses, deductibles, and other related costs, reducing financial stress and allowing employees to focus on recovery.
Can I offer both types of coverage together?
Yes. Many businesses combine critical illness and accident insurance to provide complete supplemental protection. Offering both helps you build a stronger, more competitive benefits package and demonstrates that you truly care about your employees’ overall security.
Alabama, Texas, Georgia, Tennessee, Mississippi, Florida, Louisiana and any other state
How do these plans help my business compete for talent in Alabama?
Supplemental benefits like critical illness and accident insurance show that you go above and beyond basic coverage. These plans help you attract and retain top talent in Alabama, strengthen employee loyalty, and position your business as a caring, supportive employer.
How do employees enroll and manage these benefits?
Our seamless, no-cost online enrollment platform makes it easy for employees to sign up, review, and manage their supplemental benefits anytime, anywhere. It reduces paperwork and improves participation — simplifying the entire process for you and your team.