Category: News

  • Crisis response: How to support employees in times of global emergencies

    Crisis response: How to support employees in times of global emergencies

    The growing trend in employing global remote workers means that employer duty of care is increasingly a worldwide exercise for businesses of all sizes.

    In a volatile world, the issue is even more pressing to address and increasingly challenging to navigate.

    In recent years we’ve had wars in Yemen, Ukraine and the Middle East; a global pandemic; natural disasters; global inflation and energy shortages.

    So it’s hardly surprising that we’ve experienced an increase in queries related to the issue of global emergencies and specifically Employee Assistance Programmes and how they can help in such scenarios.

    In this blog post we cover:

    • How global emergencies and crises impact business and employees
    • Key strategies and employee benefits that will make a difference to staff
    • How Engage helped a client during the Covid-19 pandemic

    To help explore this subject, our International Senior Manager, James Carrick provides his perspective drawing on knowledge and expertise gained from working with global clients and account management over the last 16 years.

    Need help supporting your global workforce? Get FREE expert advice from our consultants on 01273 974419 or email enquiries@engagehealthgroup.co.uk.

     


     

    How global incidents impact business and employees

    “With companies employing global workforces, there are more possibilities for staff to be caught up in natural or man-made disasters. Staff need the right support to be able to do their job effectively. Essentially, they need to have something in place to not only reassure employees but also to offer action if needed.”

    James Carrick, International Senior Manager, Engage Health Group

    With more people switching to remote working, businesses have had to adapt their approach to employee wellbeing. This can also include establishing strategies for guiding employees through global emergencies should they occur.

    “With more people working remotely, there are added complexities in managing a team living in different time zones, who are legally entitled to different or additional benefits and have varying needs based on where they are living and working,” said James. “The management and HR functions must be on top of what ‘good’ looks like across the globe, especially in those locations with staff.”

    There will always be different factors to consider when operating in different global locations. It’s vital to keep as up-to-date as possible with what’s going on in different countries and how events could impact your staff.

    This encompasses everything from extreme weather events to political volatility. There should be a plan-of-action in place that takes into account the different scenarios that could occur, and the kind of support employees would need should they come to pass.

     


     

    Why companies must provide support for global teams

    International traumas, emergencies and crises can impact all staff member’s health and wellbeing whether they have a personal connection to an incident or not.

    “Generally there does seem to be an increase in companies looking to support a global workforce,” said James. “Whether that’s in a proactive way – by ensuring provisions are in place if something was to happen – or for those that have needed to implement policies to support their team if something has recently happened.

    “Business leaders know they have a duty of care to their employees. They want to make sure that if the unthinkable happens, then they are set up and prepared to support their most important asset – their staff.”

    But are businesses asking about any particular employee benefits?

    “Employers are wanting a whole suite of benefits to help support their globally dispersed workforce. Compliant health insurance is important to have for general day-to-day living and working remotely. For those travelling for work, a comprehensive business travel insurance is needed and some employees even offer a short-term International Health Insurance policy for employees travelling.

    “An International EAP is also a very cost-effective, yet helpful employee benefit too. This gives a level of support to the employee immediately when they need it. If they find themselves suddenly thrust into a concerning situation in the place they are working, the EAP would have the provisions to offer help.”

     


     

    How International Employee Assistance Programmes (iEAPs) can help

    International Employee Assistance Programmes provide a suite of employee support services via a single platform. They are designed to help employees in multiple locations around the world deal with work-related problems or personal issues negatively impacting their physical or mental wellbeing, and their performance at work.

    International EAPs can help tackle a wide range of mental health issues that employees face, offering counselling sessions, referrals, grief support, managerial support and other external services.

    #1 How can iEAPs help global employees manage emergencies and crises?

    “EAP providers have the facility to provide support in the event of a traumatic event. They aim to reduce and manage the impact of traumatic events by providing a range of interventions specifically tailored to provide early support, encourage self-care and re-establish normal routines for those affected by such events.

    “They can provide professional on-site support to organisations and their people following a traumatic event including immediate response straight after, continued support services further down the line, and one-on-one counselling to organisations and their people following a traumatic event.

    “EAPs also offer a catalogue of training events for both employees and management to develop skills to provide any ongoing support to the people in their team.”

    #2 How can training events help staff? And how does this come into employee support and EAPs?

    There is a large host of training events available to global businesses, which can be broken down into different sections to address different situations. For example:

    Training for the workplace: Embracing change – Giving and receiving feedback – Responding to bullying/harassment – Making the most of international assignments.

    Personal training: Balance v burnout – Overcoming imposter syndrome – Compassion fatigue.

    Mental health: Create a resilient mindset – Stress management – Healthy mind toolkit – Facing grief, trauma and survivor guilt – Eco-anxiety coping strategies

    Physical health: Coping with illness – Healthy eating – Men’s health matters – Menopause.

    Relationships: Ageing parents – Supporting colleagues through difficult times – Supporting child’s mental health.

    Leadership: Disability awareness – Conflict – Leading hybrid teams – Leading through crisis – Sustaining resilience through trauma.

    #3 Do International EAPs provide enough support to offer staff?

    “Traumatic events can impact the entire workplace. And they way people process varies, such as some with shock, or anger, confusion, grief, exhaustion, or an increase in presenteeism and absence. And everyone responds differently to different support and services. An EAP’s services can cover a lot for staff, but it’s always best to build a holistic employee benefits strategy including varied benefits and policies.”

    “An EAP really comes into its own to help support employees in the event of something happening. There are additional support functions (like critical incident support) that can be added on to the EAP if a situation becomes severe and further intervention is needed.”

    #4 Is there an increased interest in iEAPs?

    “We have definitely seen companies wanting to implement EAPs to provide the assurance of having something in place so staff have somewhere to turn to if they need support.”

    “With companies employing a more nomadic workforce, this can mean some staff may be working or living in places that are no strangers to conflict, natural disasters, or a whole manner of situations impacting their lives. An international EAP ensures a consistent level of services – vital element for employees to feel valued no matter where they are living and working. For business, having one global contract encompassing all locations will help with contracting, invoicing, and client management.”

    “We’ve seen some incredible charities contact us wanting to offer an international EAP to their staff actively going into parts of the world that need their expertise. An EAP can go a long way in supporting those charity staff as they help others affected by war or natural disasters.”

    #5 Has there been an uptake in other international employee benefits and insurance schemes?

    “We’ve seen businesses enquiring about a whole range of employee benefits including Group Health Insurance, Life Insurance, Travel Insurance and International Employee Assistance Programmes. A good benefits package helps retain the staff working within the business and helps attract the best talent.”

    In addition, an International Group Health Insurance scheme will often include emergency medical repatriation, should an employee find themselves in a country lacking the appropriate medical facilities.

     


     

    CASE STUDY: Crisis response in a pandemic

    Engage previously worked with Timber Trading Agency International, a company with a global employee footprint covering India, UK, Lebanon and Ghana. In early 2020, it was identified that there was a requirement to implement a comprehensive employee support program aimed at protecting their international employees in the case of a medical emergency. This was particularly relevant due to the growing pressure of the Covid-19 outbreak, both in terms of the risk of infection and the increased pressure on local healthcare systems.

    Thanks to Engage’s guidance, the client was able to quickly communicate coverage changes, roll out enhanced benefits, and support new technology to overcome emerging issues.

    Furthermore, a Covid-19 emergency evacuation plan was implemented across an employee base spanning 4,700 miles, four time zones and some of the lowest quality healthcare in the world, to support a particularly vulnerable employee based in rural Ghana.

    Read more: Managing expat risk with a medical evacuation plan. 

     


     

    What employers can do to help

    Employers hiring in different areas of the world must be prepared to encounter any and all situations, whether that’s staff struggling with the day-to-day, or when an emergency hits.

    Below we have included key pointers to refer to when establishing an employee wellbeing strategy.

    #1 Establish an emergency response plan

    • Outline roles, responsibilities and procedures appropriate for different emergencies
    • A disaster management plan should also include details of resources, care facilities, and potential evacuation procedures
    • Post-emergency assistance should also be in place, including emotional and physical rehabilitation
    • Clearly signpost health and safety measures for all staff

    #2 Always communicate

    • Set up communication channels, both internally for staff and management, but also externally for any services and expertise you may need to draw on
    • Keep staff informed on current events that may impact them, and update them on procedures in the process
    • Signpost support and information clearly too all staff and management
    • Hold regular one-to-one’s and ensure open lines of communication for staff to raise concerns, provide feedback and/or receive updates
    • Provide updated information on employee benefits, insurance schemes and support services to help during emergencies and after

    #3 Make employee wellbeing a priority

    • Develop and implement a health and wellbeing plan which covers physical, mental and financial support
    • Invest in ongoing initiatives and resources to support staff beyond a crisis
    • Ask employees what they need from employee benefits via surveys, focus groups, polls and one-to-ones
    • Establish a holistic employee benefits strategy catering for different ages, economic circumstances, geographical locations, job roles, and personal circumstances (such as family or care responsibilities)

    #4 Establish a clear line of management and a place to turn to

    • Create a response team composed of representatives from different departments e.g., HR, operations, health and safety, line managers, and staff with special training
    • Offer training sessions to managers and employees e.g., Tactical Emergency Management/Emergency Response Training
    • Educate managers and leaders in employee benefits and services to pass correct information to employees

     


     

    Finding support to protect a global workforce

    Employer duty of care is never more apparent than when your workforce are struggling with external global events. But developing a robust wellness plan, clear communication pathways, and establishing a crisis response strategy will protect business and staff.

    Finding the right support to help with this can make all the difference when fulfilling your duty of care to a global workforce. At Engage Health Group, we have a wide global broker network spanning more than 70 countries, enabling us to provide the best guidance no matter where your employees are based.

    Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • 6 employee benefits that can help ease anxiety and support mental wellbeing

    6 employee benefits that can help ease anxiety and support mental wellbeing

    One in six UK workers is affected by mental health problems like anxiety, stress and depression. Much of our lives are spent in the workplace, so it’s only right that employers take steps to ensure staff are happy and healthy.

    A healthy workplace culture consists of many factors, including good people management, recognition & rewards, and considerate workplace policies.

    And one simple thing employers can do is provide employee benefits that offer practical support for mental wellbeing.

    In this blog, we’ve listed six employee benefits that provide either preventative or reactive support to ensure everyone can benefit regardless of the current state of their mental wellbeing.

    Need help setting up employee benefits for your staff’s health and wellbeing? Email our expert brokers at enquiries@engagehealthgroup.co.uk or call 01273 974419.


    6 employee benefits to help with anxiety, stress and depression

    #1 Mental Health First Aid Training

    A training programme to offer to employees, designed to teach staff how to understand, identify and support colleagues struggling with their mental health. The programme is a two-day course that covers a wide breadth of mental health issues, providing employees with a broad understanding of different issues and how to identify them.

    Benefits of Mental Health First Aid Training:

    • Helps to reduce stigma in the workplace
    • Promotes open discussions on mental health
    • Opens channels of support and how to find help
    • Provides managers with the skills to support struggling colleagues

    Remember, it doesn’t mean trained staff are qualified therapists! So make sure they aren’t taking on too much responsibility.

    Your guide to Mental Health First Aid in the workplace.

     

    #2 Employee Assistance Programmes (EAPs)

    EAPs offer staff a range of tools and services to better equip them to handle whatever life and work throws at them. Designed to strengthen the emotional resilience of staff, EAPs allow employees to feel they are taking control over their own mental health, whilst safeguarding anonymity.

    Not every Employee Assistance Programme is the same and each provider will offer different levels of service. But you can expect to find the following services in most EAPs:

    • Professional counselling sessions
    • Managerial support
    • Financial management, advice, and debt support
    • Critical incident management
    • Self-help tools, activities, and programmes

    Benefits of Employee Assistance Programmes:

    • Helps to reduce stress and anxiety – something for every team member!
    • Employers can see where support is needed through trackable usage stats
    • Alleviates managerial pressures
    • Boosts workplace productivity
    • Adaptable to teams large and small

     

    #3 Group Health Cash Plans

    A Health Cash Plan is a form of health insurance providing cover for the day-to-day health needs of staff. Typical plans will include: medical consultations, physiotherapy, dental, counselling. Business Health Cash Plans are a simpler alternative to a larger Group Health Insurance policy, keeping costs low whilst still showing staff you are prioritising their overall wellbeing.

    Benefits of Group Health Cash Plans:

    • Can be easily tailored to fit with the specific needs of your business and staff
    • Helps staff with the stresses associated with routine health issues e.g., dental and eye checks
    • Easy to implement across the company
    • Allows staff autonomy over everyday health issues
    • Alleviates stress and worry for staff

    Learn more about Group Health Cash Plans.

     

    #4 Flexible working options

    Allowing employees to work in a way that best suits them shows you trust them to do the work they are paid for. Flexible working can relate to working hours or the location they work from.

    Benefits of flexible working options:

    • Supports employees’ work-life balance
    • Helps staff better handle childcare needs and elderly care responsibilities
    • Accommodates and recognises the different needs of each employee
    • Helps retain employees who might look elsewhere if you don’t provide some form of flexibility
    • Helps staff avoid the stress and cost of commuting to work everyday
    • Saves employees time and energy

    Related reading: Remote working stats 2023: trends, impacts and demographics.

     

    #5 Mental Health Services & Counselling

    Mental health services and one-to-one counselling can be provided through a Group Health Cash Plan, Employee Assistance Programmes, or as an added value service in a Group Health Insurance scheme. Alternatively, there are many providers in the market exclusively dedicated to mental health support and counselling resources. So mental health services can be invested in as a standalone product too!

    Benefits of providing mental health services:

    • Directly supports staff mental wellbeing
    • Adaptable options to fit with budget and staff needs
    • Reduces absenteeism / presenteeism
    • Boosts productivity and overall morale at work

     

    #6 Wellness apps

    A range of apps are available that provide various tools and exercises for bolstering mental wellbeing. They can consist of:

    • Meditation prompts and courses
    • CBT exercises
    • Dietary plans and prompts
    • Relaxing soundscapes
    • General healthy living guidance

    Some of the market leaders include Headspace and Calm. But many insurers also offer complementary apps in their Group Health Cash Plan and Business Health Insurance plans.


     

    The importance of protecting staff mental wellbeing

    Poor mental health can be directly linked to lower job performance, reduced motivation, and, in serious cases, can affect an employee’s physical wellbeing too.

    Supporting employees’ mental wellbeing is both the right thing and logical thing to do.

    At Engage Health Group, we work across the health and wellbeing marketplace to ensure you find the right policies at the right price, and ensure your whole benefits package provides prices from across the market.

    Contact our expert team at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • How to support a multi-generational workforce [Webinar round-up]

    How to support a multi-generational workforce [Webinar round-up]

    Engage Health Group joined The HR World for an insightful discussion on how businesses can best support a multi-generational workforce with employee benefits.

    Our Head of UK Employee Benefits, Mike Hesch, shared the panel with Gemma Lee, Chief People Officer at Konica Minolta Business Solutions UK Ltd, to discuss the challenges of serving a workforce with a wide range of needs and life priorities.

    Hosted by The HR World’s Simon Kent, some of the key issues covered include:

    • How to support different employee priorities
    • How to provide individuality to employee benefits
    • How to support staff whatever stage they are at in their life

    Read on for a quick summary of the notable points made, and watch the full webinar here – Health and Wellbeing: Making it Personal.

    It’s well worth the watch to help stay ahead of the game with the benefits you’re offering!

    Need one-to-one help supporting all staff members? Our award-winning employee benefits consultants provide FREE advice to UK and international businesses. Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419.


     

    Talking point no. 1

    How do you find out what employees want?

    What Mike had to say:

    “Survey your staff. I’m not saying that is going to give you all the answers, but I think it’s a valuable tool – it will give you some generalisations within your workforce as to what they’re after.

    “But you really need to ask employees and, if you can, the absolute ideal scenario is where management are asking their employees in one-to-ones where they are discussing what their needs and requirements are. If there can be feedback from managers to the business as to what those needs are, that is going to be much more powerful as you are actually getting out from those individuals what they want.”

    What Gemma had to say:

    “Combine large surveys with a more meaningful exchange about understanding the variants of employees and what they might need. Some of the topics can be a bit sensitive, so people might require more support around mental or physical wellbeing, which can be difficult to share. So having that one-to-one opportunity as well as creating lots of forums within your organisation to provide different communication links will cover everybody.”

     

    Talking point no. 2

    What’s the best place to start when you’ve got a wide range of needs to serve?

    Staff needs will change throughout their lives. At times there’ll be a higher demand for support for child care or elderly care. Health needs will also change over time, most obviously with the menopause.

    So, where to start?

    Mike’s take:

    Mike says that one of the best places to start is by taking a look at what employee benefits are already in place, and ask: are these benefits what my staff need?

    “There’s more in your employee benefits space that you probably don’t know you’ve got! When we work with a lot of companies on their wellbeing strategy, a lot of it is to just sit down with them and say: what have we got benefits-wise? Let’s go through what you can get out of those benefits from a health and wellbeing perspective.”

    Gemma’s take:

    In many ways, employee demand is greater now than ever before. Does this make it a more difficult time, or an exciting one? Gemma leans towards the latter.

    “I think it’s a really exciting time in many ways! In all aspects with this individualisation and considering different employees have different needs, at different stages of their life.”

    “There’s been so many examples recently, especially with the volatility of what’s been happening in the wider world, [that] has also impacted people’s need for assistance whether that’s financial support or something else. So really understanding and knowing who your employees are, completely underpins this. Knowing what is required depends on who works with you and how often you are close and connected to who those people are and what they need.”

     

    Talking point no. 3

    Have you noticed any new trends around employee demand and employer support?

    The workspace is constantly evolving, so keeping up with current trends in employee benefits is very important to managing the needs of different working generations.

    What’s currently in high demand? What are staff wanting more of?

    Mike’s insights:

    “There’s the menopause, women’s health and the men’s health side. And this has been driven by providers that come into the market delivering products and services within those areas, but there have been organisations that I’ve seen doing something like that for a number of years but just not necessarily had a provider to support them.”

    “A lot of staff see the communication and promotion of those different benefits and then question why that’s not being delivered in their own business! Where this can create an issue, it also creates opportunity for providers to make it much easier for companies to deliver those kind of benefits and very often at a very affordable level.

    “I’ve in particular noticed a lot more talk around neurodiversity;  a lot more understanding of what people are experiencing. I am neurodiverse myself, I’m very open with that, and staff feel that because I’m open they can be open themselves and talk to me about it. And that also helps me to then understand what they need, what we might be able to help with, and then see there’s a lot that companies already have that can help.”

    Gemma’s insights:

    “We’ve had benefits introduced for menopause support, cancer screening, huge uptakes in GP services online, and then extending that to family and friends.

    “There’s an expectation that your company is supportive in education in these areas as well. We’ve had some really great education webinars last year around sleep, around gut health, around nutrition, and they were really well-attended. This access to education and understanding, and being able to promote what one can do for themselves is something people are really favourable about today.”

     


    Are your employee benefits fully supporting all staff?

    The evolution of workplace wellbeing policies, and the growing demand from employees, is both a challenge and opportunity for employers.

    The challenge lies in the sheer level of complexity and, potentially, cost of implementing different workplace policies.

    The opportunity lies in the growing variety of policies that have evolved to meet such demand.

    Engage Health Group helps businesses navigate the challenges and ensure you’re able to deliver the best health and protection policies to your teams.

    Our award-winning brokers provide the most expert advice and competitive quotes in the market.

    Contact our expert team of brokers at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • How to fulfil employer duty care around the world

    How to fulfil employer duty care around the world

    Fulfilling duty of care for your staff, no matter where they are in the world, is a major responsibility for any employer.

    It’s not easy…

    Businesses must strive to encompass all three pillars of wellbeing: physical, financial, and mental. But how can this be achieved at the same level for all employees when you have a globally diverse workforce?

    This blog explores how to fulfil duty of care through different employee benefits and workplace initiatives.

    Need help supporting your global workforce? Get FREE expert advice from our award-winning consultants on 01273 974419 or email enquiries@engagehealthgroup.co.uk.


     

    The challenges of a global workforce

    Hiring from a global talent pool brings many benefits to a business. It increases your chances of finding the right people with the right skills, and enables an around-the-clock operation in different markets.

    But it also creates challenges. Some of these challenges include:

    • Managing cultural differences
    • Understanding local employment regulations
    • Overcoming language barriers
    • Maintaining consistent communication
    • Generating a strong team dynamic across vast distances
    • Implementing employee benefits

    The latter point is what we’re focusing on here. The question is: how do you provide a consistent employee benefits experience that abides by each country’s rules, while also being adaptive to different cultural expectations and requirements?

     

    5 international employee benefits to consider

    1. International Employee Assistance Programmes

    International Employee Assistance Programmes (iEAPs) provide staff with tools to manage day-to-day emotional and psychological challenges. iEAPs are usually hosted on digital platforms with services including:

    • One-to-one counselling sessions
    • Virtual GP access
    • Employee support for specific issues, encompassing a variety of life challenges, including: legal, childcare, financial, elderly care, work-life balance, relationship, stress, anxiety, depression, life transitions, emotional support and more.
    • Employer support for critical/traumatic workplace incidents
    • Multi-lingual functionality

    With global access, iEAPs can be set up and managed from one location as a single platform making it an easy-to-use tool for both management and staff.

    2. Cultural Training

    Cultural Training equips staff with the knowledge and skills to effectively understand the different cultures and countries of their colleagues, helping to boost communication and avoid misunderstandings. The training can be offered to any type of team – expat staff, multi-national workforces, global leadership teams and multi-cultural teams.

    Offering Cultural Training helps to fully unlock the benefits of a culturally diverse team.

    3. International Health Insurance

    International Health Insurance provides staff access to private healthcare anywhere in the world, under one single policy. The global health insurance market is a complex one, so having a single plan which covers all countries under one scheme can be a truly HR-friendly option.

    4. International Life Insurance

    It’s important to have policies in place which protect the loved-ones of employees. A Life Insurance policy is designed to do just that by paying a lump to an employee’s family in the event of their death. An International Group Life Insurance policy is designed to provide coverage to all employees around the world under one scheme.

    5. Employee Benefits Platforms

    Employee Benefits Platforms unify your employee benefits offerings under a single online platform, making it easier for HR to manage workplace perks and for staff to access. These platforms allow staff to access the services they most need, whether it’s a health insurance policy, wellbeing advice or discount schemes.

    Platforms usually have multi-lingual capabilities enabling employers to bridge the gap between communication and cultural differences.

     

    Establish the right policies for your employees by contacting the expert consultants at Engage Health Group. We’ll make the process simpler for HR and ensure that you get the most effective policies for your people, wherever they are in the world. Email enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

     

    5 workplace initiatives to help international employees

    1. Focus on maintaining a positive work-life balance

    For staff to be as productive as possible, their personal needs must also be looked after. Fortunately, the same approaches taken in most domestic businesses can be easily applied to global employees – thanks to technology.

    Can you supporting flexible working options for all employees? Aside from making remote work an option, you can also support them by investing in ‘at home’ office equipment. Options include laptops, additional screens/monitors, ergonomic chairs and desks.

    2. Instill a team dynamic

    With such a globally diverse workforce, gaps can form in an organisation’s sense of community. Instead of feeling like a team, a global company can become a patchwork of individual staff members with little connection to one another. Uphold open lines of communication and offer engaging opportunities for socialising and team-building online.

    3. Recognise the cultural differences of the workforce

    The different cultures making up a global workforce is incredibly important to the success of the business – and is something to be nurtured, respected and understood. It’s important to understand the differing religious holidays, approaches to health and relationships, local customs and behaviours.

    Educating staff and management on local customs and cultural nuances will enable effective cross-cultural communication. What could be deemed ‘normal’ in a UK office may be taken completely different elsewhere. For example, a thumbs-up in the Middle East can be taken as an insult, or in Turkey having one hand in your pocket is considered arrogant!

    Other ways to be observant of the cultural, religious, and local differences in your workforce:

    • Offer flexible time off and holiday options: accommodate for different religious traditions/holy days
    • Be mindful of dress code norms
    • Offer a space for prayer rooms/flexibility around breaks to allow for prayer
    • Offer further education and resources for any staff member wishing to learn more
    • Offer cultural training to senior staff

    4. Understand local and global health & protection requirements

    Similar to understanding the personal differences of your global teams, it’s also important to get to grips with administering different health and protection policies in different countries. For example, health and life insurance policies can work differently in different countries.

    It’s quite a complicated business, which is why many businesses turn to employee benefits consultants with specialist international expertise. For example, Engage Health Group has a broker network spanning 73 countries making us perfectly placed to manage health and protection policies on behalf of clients.

    One key area to consider is whether you need to opt for a single global ‘umbrella’ plan or a series of separate national plans:

    • Global solutions: They typically work best when your workforce has sparse members in different locations, ensuring all members are fully covered.
    • Local solutions: They often work best when you have a high concentration of members in one or two locations.

    5. Enable staff the chance to give feedback on their benefits

    Are you giving staff what they want? It’s hard to know unless you ask.

    • How satisfied are they with overall employee benefits package?
    • How satisfied are they with specific employee benefits (for example; health insurance, life insurance, income protection, EAPs, wellbeing apps, and flexi-working opportunities)
    • How easy do they find them to access and use?
    • What can be improved about their employee benefits policy?

    It’s worth running a survey of staff which addresses these points. Other ways to get feedback include:

    • In-person virtual meetings about benefits
    • Tracking HR data and analytics
    • Tracking usage of current benefits
    • Assessing absences, productivity, quality of work
    • Utilising different communication tools e.g., online portals, emails, WhatsApp groups

     

    Find the right support for your global workforce

    Businesses have a huge array of international benefits to choose from and the sheer scale and complexity of this market makes it an arduous undertaking for HR teams.

    Finding the right support can make all the difference when it comes to fulfilling duty of care for your global staff.

    At Engage Health Group, we have a wide global broker network spanning more than 70 countries, enabling us to provide the best guidance wherever your employees are based.

    Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • Dry January, ‘Damp’ January and how employers can help

    Dry January, ‘Damp’ January and how employers can help

    This time of year can look different for everyone, but I think it’s safe to say that most of us have spent the festive season indulging a little too much!

    The beginning of January typically brings fresh perspectives. It’s a case of “out with the old and in with the new”.

    New year, new me right?!

    An estimated 8.5 million UK people are taking part in Dry January in 2024, so we’ve taken a deeper look into how businesses can help their staff, and offer personal perspectives from our very own Engage office.

     

    Need one-to-one help? Our award-winning employee benefits consultants provide FREE advice to UK and international businesses. Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419.


     

    Why Dry January?

    Dry January is a global trend where participants give up alcohol for the whole of January. A lot of individuals might do this to raise money for charities, for health and mental wellbeing reasons, or to simply enjoy the benefit of a four-week detox after Christmas and New Year indulgences.

    Stopping drinking for a month can also make way for other healthier hobbies and changes to your lifestyle. For example, taking up exercise classes, more reading, new hobbies, or finding different ways to hang out with family and friends – rather than relying on the same old local pub at the end of the week!

     

    A personal take from the Engage office

    For me, this January is going to be looking like a more “Moderate Jan” challenge – or “Damp January” if you will!

    This means cutting down on pretty much all of my bad habits. I want to feel fresh in the mornings with a clear mind and prioritise my all-round health as I begin this new year. Whilst I see nothing wrong with spending time with your friends at the pub, it’s also important to ask yourselves – do we really need another one?

    My overall aim of a more moderate approach this month is to save money, spend more time with friends and family doing different activities, be outside more on walks and in nature, and feeling more in control of my health to make me the most productive I can possibly be.

    While I’m confident my approach will work wonders for me, everyone has different priorities. It’s important to be supportive of each other and respect boundaries where we can.

    So, I asked the rest of the office what their plans were for the upcoming month, and the responses went like this…

    “I’m doing a delayed Dry January but beginning from the 10th. I’ve still got a few Christmas drinks leftover, and we can’t be wasteful!”

     

    “Instead of Dry Jan, I’ll be doing Veganuary in an attempt to adopt healthier eating habits and get back to feeling healthy.”

     

    “I’m planning a dry January and February as I pick-up my training ahead of the Brighton Marathon!”

     

    “I’m not doing Dry January but I’m adopting healthier habits generally this year. I think it’s better to do something in moderation for 12 months, rather than go crazy for 11 months and have one month off.”

     

    “I’ll be taking part of Dry Jan too! Really want to kick start this year off right in preparation for a half marathon I’m doing, so fingers-crossed!”

     

    “On top of taking part in Dry January, I’m also planning to do the ’75 Hard Challenge’ to really target all areas of wellbeing, not just fitness.” 

    Someone who knows all about going alcohol free is Jess Wright, our Senior Employee Benefits Consultant. She recently completed two years without alcohol:

    “I think taking a break from booze can be a really good thing to give the body and mind a rest. It’s becoming really popular to have breaks from alcohol and there are loads of health benefits for the brain around drinking less. The variety of non-alcoholic drinks are so much better than they used to be as well – so I think it’s a trend. There’s now a non-alcoholic/low alcoholic bar in London and Brighton called Torstig. 

    “I know there’s at least three of us that are running the Brighton Half in Feb, so I think training for that will keep people on the straight and narrow!”

     

    How can businesses support employees for Dry January?

    Providing the right support and employee benefits is a given for any successful business and employer. The beginning of a new year marks the perfect time to reflect and listen to the ever-changing needs of staff.

    Below we have listed some ways to better support your staff for Dry January.

    Employee Assistance Programmes:

    • Typically included with Group Income Protection, Group Critical Illness, and Group Health Insurance
    • EAPs often come with an online health portal which provides access to support on everyday lifestyle changes, and services to help limit alcohol intake.
    • Also included are free 24/7 counselling and support/information lines if staff are looking for further support to help them cut back.
    • EAPs can a great tool for managers, executives, and HR to provide advice and support to employees, especially if staff are suffering but don’t feel able to talk about it.

    Other simple ideas to encourage healthier habits:

    • Organise more dry social events e.g., morning coffee catch-ups, going out for lunch or dinner, or even try dry events like bowling, arts & crafts related socials, or even board games! This being said, there’s nothing wrong with grabbing a pint or two with colleagues at the end of a busy week, just ensure there’s also options for those taking part in a less-booze month, and no one is left out.
    • Sign up and offer free online resources e.g., through Alcohol Change UK.
    • Consider wellbeing apps which reward people for healthier habits. We’ve previously arranged a step-count challenge for our staff, creating an element of healthy competition in the workplace.

    Planning ahead for the months after Dry January is also important for employee wellbeing. The point of Dry January is to get people thinking about their relationship with alcohol, but also how they can continue to adopt more positive lifestyle changes throughout the year.

    Consider encouraging staff to log how they feel throughout their month so they can be truly aware of the difference they’re experiencing. It may be a launchpad to healthier habits for the year ahead.

     

    Need help finding the right employee benefits for your staff?

    At Engage Health Group, we help businesses of all sizes and across all industries negotiate the health and wellbeing marketplace, on a local and global scale. We work on behalf of our clients to ensure businesses are getting advice that has their best interests at heart.

    Contact our expert team of brokers at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • The story of 2023 for Engage Health Group

    The story of 2023 for Engage Health Group

    And that’s a wrap!

    The festive season marks the perfect time to take a moment and review everything that’s been happening over the last year.

    We’ve been delighted to help some wonderful businesses, welcome super-talented new recruits and win much-coveted industry awards.

    Here’s a brief reflection on what we’ve achieved this year…

     

    Looking for one-to-one help with employee benefits? Contact our award-winning benefits consultants for FREE advice and support at enquiries@engagehealthgroup.co.uk or call 01273 974419.

     


    Engage’s key achievements of 2023

    Expanding the Engage team:

    This year we have seen our team grow by 40%! Meet the 2023 recruits who are each bringing their own unique skillset to the team:

    • Penny Pemberton, Head of International Benefits
    • Mike Hesch, Head of UK Employee Benefits
    • Zoe Perera, Senior Employee Benefits Consultant
    • Jess Wright, Senior Employee Benefits Consultant
    • Chloe Young, Employee Benefits Consultant
    • Barbara Martin, Client Support Manager
    • Ciara Boulton, International Client Support Manager
    • Stu Isaac, Employee Benefits Consultant
    • Mel Dixon, Head of Digital Marketing

    Launching The International Tech Pool:

    Our International team made huge progress in the global start-up and tech scene this year, launching a new international health insurance scheme.

    The International Tech Pool is designed for tech companies and start-ups employing remote workers or operating satellite offices around the globe. It helps businesses to protect their workforce under one policy rather than setting up various separate healthcare policies in multiple countries. It’s providing these companies with an exclusive risk pool built up by other tech organisations and start-ups, providing a fairer premium in the process.

    Winning at the 2023 Health & Protection Awards:

    The Engage team rubbed shoulders with the great and the good of the health insurance industry at the Health & Protection Awards 2023. We won Best International Group Advice Firm, showcasing the effort we have put into our developing global expertise. Stuart Box and Esme Pearson were both nominated for individual awards – Best Health Insurance Adviser and Outstanding Newcomer Award respectively.

    Sharing our knowledge:

    This year has also been about recognising the importance of our partners and building relationships across the industry. One example has been our involvement with The HR World. We have shared our expertise to the HR community as webinar guests and through written commentary.

    We prefer to share our knowledge rather than keep it to ourselves! Expect more of this in 2024.

    Helping our clients:

    – Medical Aid for Palestinians – 

    “Dave (from Engage) was an amazing help from day one. He understood perfectly what we were looking for and directed me and my team in the right direction. We were able to find the EAP provider we needed for our overseas offices. He was always an email away and guided me through the process.”

     

    – CAE Parc Aviation – 

    “James has been amazing to work with from tart to finish. From the very first phone call he listened to our requirements and worked tirelessly to find the best options for us and found an excellent insurance package best suited to our needs.”

     

    – Remote – 

    “They helped us establish a comprehensive medical plan that covers our employees globally, with competitive and flat rates…

    “Engage Health’s expertise and network of brokers have been instrumental in navigating the complex world of global benefits. They match us with brokers who share our values and goals, ensuring that we have the right coverage and support for our employees worldwide.”

     

    – Craig Mason – 

    “We used Engage to help our small business find a health policy. Nick was very helpful, supportive and not at all pushy!”

     


    Have a Merry Christmas and a Happy New Year!

    To show the immense appreciation we have towards our employees and all the hard work they put in every day, we needed to give everyone a bit of festive fun! Here are a few photos from our Christmas party at local Brighton favourite Donatello’s:

    We hope you have a very Merry Christmas and a Happy New Year!

    Want to get more out of your employee benefits in 2024? Contact our team of expert consultants for free no-obligation advice. Email enquiries@engagehealthgroup.co.uk or call 01273 974419.

  • Industry experts reveal global benefits best practice during latest HR webinar

    Industry experts reveal global benefits best practice during latest HR webinar

    The HR World’s latest webinar addressed the challenges organisations face when it comes to looking after global employees.

    Any HR professional who’s worked across global benefits will know it’s a complex topic. The overarching aim is to deliver consistency and equal opportunity across different locations while permitting local flexibility and personal choice to staff.

    Hosted by Simon Kent, Head of Content at The HR World, the expert panel consisted of:

    • James Carrick: our International Senior Manager here at Engage Health Group
    • Carl Chapman: Head of Marketplace, Ben
    • Dina Knight: Chief People Officer, DataTec and Logicalis

     

    To view the full recording click here for The HR World!

     

    Need one-to-one help? The award-winning employee benefits consultants at Engage Health Group provide FREE advice and bespoke guidance to UK and international businesses. Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419.

     

    Talking Point #1

    Benefits are not just about money: what do you need for a successful plan?  

    Yes, return on investment matters but there are other things to consider too. Carl Chapman referenced a Harvard Review study which found that 80% of employees would be happy to forgo a pay increase for better benefits.

    But what does “better benefits” mean?

    Dina Knight outlined her approach: “People are looking for more choice and balance. There’s a number of factors to consider. Fostering a positive work culture, ensuring there’s sufficient development opportunities, promoting work-life balance. And ensuring we have that open dialogue with our employees so that we can properly determine what benefits and what that compensation looks like for them. As well as being abreast of market trends.”

    The issue becomes more complex when looking after global employees.

    “Our approach is that we have global policies and global frameworks and then we apply them locally, said Dina. “There are unique healthcare plans for example in the US, or in Asia, so we don’t have a one-size-fits-all approach at all – that’s just not sustainable.

    In other words, have a global approach but implement according to the cultural norms and legal requirements of each country.

    “We work very closely with the local regional HR teams as they are the feet on the ground, they have the local knowledge about the market, internal employee preferences, candidate profiles, etcetera. That communication and alignment is very important.”

     

    Talking Point #2

    How do businesses create a unified experience for global staff?

    Employees need to access those benefits from anywhere in the world and establish a consistent user experience with those services. The panel offered three ways to approach these challenges:

    • Utilise employee benefits platforms
    • Work closely with the local regional HR teams
    • Implement global ‘umbrella’ policies where feasible

    Partnering with an employee benefits platform simplifies and unifies employee benefits, allowing for control, understanding, and equal opportunity for choice. Many benefits platforms also have multi-language capabilities, helping to bridge differences and open lines of communication.

    The main desirable factor these platforms offer? Ease of use! This means less time spent on explaining already complex policies to staff, and allowing employees to feel autonomous in their health and work-life needs.

    But what about the policies themselves? Many HR teams are unaware that single global policies can be used in place of separate local schemes. This another aspect of simplifying the roll-out of health and protection policies. Our very own James Carrick delved deeper into global versus local implementation:

    “For a global perspective, you have global solutions, and if you have a sparse population of members across the globe in many jurisdictions, you may wish to consider a global plan for a harmonised approach and you can ensure your members are fully covered.

    “If you have one or two members in a certain location, you might not get the right medical care you want, unlike what you would get under a global policy. But conversely, if you have a high concentration of members in certain locations, you may wish to look at local plans which is where we have built our partner network.

    “There are mandatory obligations across the globe, complex countries and areas such as the UAE, Netherlands, Australia, Switzerland, are examples of where you have to have locally compliant solutions. This is where we see clients asking for additional support during renewal and setting up.

    “Clients don’t have the time to navigate the complexities of the local legislations and that’s where they are reaching out to external resources – broker partners.”

     

    Talking Point #3

    Is monitoring usage metrics helpful?

    With managing a dispersed workforce comes the task of monitoring utilisation rates of employee benefits and ensuring staff are getting the most out of the benefits available.

    Carl Chapman from Ben offered an interesting take on this one:

    “I’m personally not a big fan of monitoring utilisation rates. The reason I say that is there’s a lot of evolution in benefits at the moment to support people such as fertility or transgender benefits, and the utilisation of those will always be really small but it doesn’t mean it’s not important to those people.

    “Utilisation as a method is useful in some circumstances, but we are all diverse, we all have different needs at different stages of our lives. We shouldn’t be expecting people to be boxed into these categories for utilising products at certain rates. Offer a handful of core benefits and then offer voluntary benefits that can cater for all these different needs. If you give people choice, you have an obligation to educate them to make good decisions.”

    James agreed with Carl’s points but suggested that there’s a still a place for checking the metrics. After all, if there’s an increased uptake of mental health services, it’s important to be aware and understand why that might be.

     

    Are you ready to address the global challenge?

    Global businesses must address the many challenges of investing in an internationally dispersed workforce. But overcoming these challenges is very doable with the right professional support.

    The award-winning team at Engage Health Group have a wide reach of global partnerships spanning 61 countries and territories. Our award-winning experts will give you the best advice and the most competitive quotes on the market.

    Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.

  • Engage wins Best International Group Advice Firm at the UK Health & Protection Awards 2023!

    Engage wins Best International Group Advice Firm at the UK Health & Protection Awards 2023!

    Engage Health Group were amongst the 750 brokers and providers at this year’s UK Health & Protection Awards which celebrated the very best the industry has to offer.

    Comedian Russell Kane led us through an evening of sharp quips and sharp suits as we kept our fingers-crossed for a second consecutive year of awards success.

    And we weren’t disappointed…

     

    A fantastic win for the Engage International team!

    Just being nominated for a UK Health & Protection Award is a big deal, but to actually win is a testament to the hard work the team has put in to providing a high quality service to our business clients.

    Winners: Best International Group Advice Firm

    The Engage International team, led by Ian Abbott, has dedicated itself to unravelling the complexity of global health and protection policies and making it simpler and more accessible to companies with employees in multiple countries.

    Our team of international brokers have gone the extra mile to win this award with their full commitment to keeping abreast of the latest trends and legislative changes, and sourcing the best health and protection policies in whichever country a company needs them.

    Providing innovative and client-specific solutions was a key reason for our success in this winning this award.

     

    A near-miss for Esme and Stuart

    Two of our team just missed out on individual awards. Stuart Box was nominated for the Best Health Insurance Adviser, and Esme Pearson for Outstanding Newcomer Award.

    While they didn’t win, we couldn’t be prouder for the acknowledgement they both so deserved.

     

    What Engage does differently…

    For the last seven years now we have been building a fantastic, dynamic team of brokers that can adapt to any specific client need, no matter how big or small. This could look like anything, from setting up global health insurance schemes, to helping new businesses launch their employee benefits strategies.

    Our International Director, Ian Abbott, shares why this award has meant so much to his team and Engage Health Group as a whole:

    “We set ourselves apart through the in-depth consultancy we offer on top of the typical broker remit of sourcing quotes and explaining how different policies work.

    “International benefits can be very complicated, but when a business comes through us, we can handle the whole process on their behalf regardless of the countries their employees are situated in or the policies they are seeking.

    “It’s nice to get the recognition for the hard work the whole team has put in, especially by industry peers.

    “We’re keen to grow the team and expand what we can do, by providing new innovative solutions for our clients.”

     

    Well done to Hooray Health & Protection!

    Our sister company, Hooray Health & Protection, came away with a couple of wins too. They won the Best Sales and Retention Advice Team and Best Small Health Insurance Advice Firm.

    Hooray specialises in assisting SMEs and start-ups. They continue to do brilliant work in making employee benefits more accessible to smaller businesses who have traditionally struggled to source the kind of high quality advice which is available to larger businesses. By pooling our expertise we’re able to assist businesses of all sizes with a consistent level of service.

    Charlie Cousins award collection
    Charlie Cousins award collection

     

    What next for Engage?

    Engage continues to seek innovative ways to better help UK-headquartered companies with their domestic and international employee benefits policies. Sourcing and implementing policies needn’t overburden HR teams. We make it our job to reduce their workload and maximise the ROI of any scheme they require.

    If you’d like FREE expert help and advice from an award-winning broker, get in touch on 01273 974419 or email enquiries@engagehealthgroup.co.uk.

  • How to spot disengaged employees (and what you can do to help)

    How to spot disengaged employees (and what you can do to help)

    “When employees are unhappy with their job, they underperform and they’re less productive. Smart employers invest in employee happiness.”

    Hendrith Vanlon Smith Jr, CEO of Mayflower-Plymouth

    A study by Perkbox found that disengaged employees cost the UK economy £340 billion every year due to the associated costs of training and recruitment, staff sickness, lost productivity and stifled innovation.

    The costs can quickly spiral unless you spot the warning signs and tackle the root causes at the earliest opportunity.

    In this article, we explore the tell-tale signs of disengagement and look at the four major causes businesses can tackle.

    Employee benefits play a vital role in improving workplace engagement. Get FREE one-to-one advice from our award-winning brokers on 01273 974419 or email enquiries@engagehealthgroup.co.uk.

    How to spot a disengaged employee

    When staff become disengaged, the signs can be right under your nose but easily missed, especially as these things tend to happen gradually. You might dismiss it as ‘this is just the way that he/she always seems’. However, some of the early warning signs to look out for include:

    • Lack of enthusiasm
    • Poor productivity
    • Lack of initiative
    • Sluggish responsiveness
    • Irritability
    • Careless errors
    • Low mood
    • Poor quality work
    • Reluctance to be involved in team events

    If disengagement is not addressed early, then it may lead to the following:

    • Increased staff sickness
    • Neglected work duties
    • Deteriorating work quality
    • Negative influence on colleagues
    • Keep quiet and stay unhappy
    • Quitting the company

    HR data and tools may also help diagnose such problems, especially if it includes staff satisfaction surveys and general statistics around staff sickness and staff retention – you might see general trends which point to an underlying problem with workplace culture.

    4 major causes of disengagement

    1. Burnout

    Sixty-eight per cent of UK adults mistakenly identify burnout symptoms with anxiety. This suggests it’s a bigger problem than a lot of people realise.

    Causes of burnout include:

    • Heavy workloads and persistent deadline pressures
    • Role conflict/confusion
    • Lack of constructive support e.g., feedback, participation, recognition
    • Lack of knowledge/expertise for the role
    • Long hours

    When staff are stretched too thinly, they may end up doing the bare minimum on several fronts. Work becomes a box-ticking exercise rather than an opportunity for employees do their best.

    Suggested solutions:

    The simple solution is to ensure that employees can report back any concerns about their workload, and figuring out ways to spread the work more fairly.

    2. Lack of opportunity for progression & personal development

    A big contributor to disillusionment is a lack of opportunity for progression or personal development. It’s important for staff to feel they are working towards something, whether that’s new career opportunities or learning new skills. Without this, you run the risk of your employees feeling stagnant at work and in life in general.

    Investing in staff development will help boost their confidence and motivation.

    Suggested solutions:

    Try investing in:

    • Short courses and classes which develop a range of soft or work-related skills
    • Professional development opportunities
    • Career pathways which employees can explore
    • Personal development days in addition to statutory holiday

    3. Ineffective employee benefits

    There are so many employee benefits that can help support a positive workplace culture. In turn, this helps staff remain engaged and able to give their best efforts.

    Suggested solutions:

    • Health and protection schemes: Private healthcare is still a hugely popular benefit as it gives quick access to consultations, diagnostic scans, mental health support and a wide range of treatments. Meanwhile, policies like Group Life Insurance and Critical Illness Cover support provide protection should the worst happen.
    • Employee Assistance Programmes: usually included with a Group Health scheme, an EAP promotes self-care and provides easy stress management tools to help staff with low concentration, poor sleeping habits, and provides them with the tools to tackle everyday health needs.
    • Health Cash Plans: a lower cost alternative to health insurance to help support staff with everyday health needs and problems, providing a range of support such as physiotherapy, counselling, acupuncture, financial training etc
    • One-to-one counselling sessions: these can be either be provided through Health Cash Plans, EAPs, as an add-on to health insurance, or as a standalone product
    • Apps and online mental health services: again, these can be offered with EAPs and benefits platforms, or purchased as a separate product for staff to manage however they need
    • Flexible work arrangements: an easy and cheap way to allow your staff the space and autonomy they need to work in a way that works best for their lifestyle.

    Some extra small workplace changes to help your staff feel heard/listened to:

    • Regular one-to-ones
    • Monitor workloads and scheduling
    • Seek further feedback from staff on certain issues
    • Regular team meetings
    • Regular social gatherings outside of the workplace: staff can connect with colleagues and express themselves in a more relaxed/open environment

    Need impartial advice about employee benefits and healthcare schemes? Engage Health Group’s expert brokers will review any schemes currently in place, or help you set one up for the first time. All FREE of charge. Email enquiries@engagehealthgroup.co.uk or call +44 (0)1273 974419.

    4. No recognition or rewards

    All employees need regular recognition for their work; without it they’ll be left feeling their efforts are going unnoticed. Investing in creative ways to reward the hard work of your employees will boost productivity, retention, and company culture, as well as helping staff feel connected to the company!

    Suggested solutions:

    • Team building events
    • Virtual gifts
    • Promotions
    • Peer-to-peer recognition
    • Employee recognition platforms
    • Performance bonuses
    • Company parties
    • Early Friday finishes
    • Vouchers and gifts
    • Staff discount schemes

    Further reading: 8 ways to recognise remote teams in 2023

    Finding the right support with Engage

    Every employee who feels happy, valued, and listened to at their place of work will be more likely to want to stay at that company and deliver their best work. It’s all about creating a supportive company culture in which employees feel valued and listened to.

    One important element of that is your employee benefits offering. An independent broker like Engage Health Group can help you negotiate the marketplace safe in the knowledge you’re getting advice from people who are working on your behalf and in your best interests. We take the time to talk you through all options available and gather the best quotes and terms from across the market.

    Contact our expert team at enquiries@engagehealthgroup.co.uk or call +44 (0)1273 974419 for FREE no-obligation advice and support.

  • Do you need Sick Pay to go global? There’s a policy for that…

    Do you need Sick Pay to go global? There’s a policy for that…

    Rules and regulations related to sick pay vary greatly in different parts of the world. In some countries you’ll be obliged to cover sickness absence (up to a point), while in others you won’t. But that doesn’t mean your approach to looking after employees should be inconsistent.

    Today’s global employers have the option of investing in a single International Group Income Protection scheme which provides financial protection to multiple employees in multiple countries.

    In this blog post, we put this policy under the microscope:

    • What is International Income Protection?
    • What’s the problem with separate local schemes?
    • Why is sick pay insurance important for remote workers?
    • How to get free expert help

    Looking for global employee benefits and insurance policies for your international staff? Call our award-winning team on 01273 974419 or drop us an email enquiries@engagehealthgroup.co.uk.

     

    International Group Income Protection (AKA Sick Pay Insurance) explained

    What is it?

    International Group Income Protection provides employees and their families with a lump sum payment in the event of them falling ill, having an accident, or developing a disability. Essentially a form of sick pay, it provides extra financial support to employees no matter where they are in the world, going further than the usual sick pay requirements.

    As an international insurance policy, it is designed to cover staff based in different locations and territories, supporting your teams wherever they are based or travelling to.

    How does it work?

    Global Income Protection is paid out if an employee is deemed no longer capable (both physically or mentally) to carry out their job role and duties. Unlike other health and protection schemes, there isn’t a list of included or excluded conditions – it’s merely down to whether they are fit to work or not. The claims process is therefore straightforward.

    Employers have the final decision on how much salary is covered as well as when the payment will kick in (13-25 weeks for short-term cover is typical for this policy). Staff won’t receive income until that time period kicks in. For most policies, employers set a maximum pay-out limit at 80% of the employee’s wage, placing a safety cap on the payments.

    If said employee returns to the workplace but ends up relapsing, payments will pick up again without any additional deferment period. However, remember, this only applies if the return-to-work period lasts less than 60 days and it is for the same health condition as before.

    Income Protection schemes will also provide some rehabilitation support and early intervention services which aid employees in their recovery and ultimately help speed up their return to work.

    How much does it cost?

    Just as it is with many other health insurance policies and products, landing on an exact price point varies depending on a variety of factors:

    • Age
    • Job role
    • Smoking
    • Medical history
    • Number of staff covered (e.g., the more covered, the greater the discount per employee)
    • Coverage provided (e.g., length of deferral period, agreed pay-out amount)
    • Number of countries covered
    • Indexing (coverage can be set to rise with inflation)
    • Extra value services offered by the insurance provider (such as online GP services, return-to-work support services and Employee Assistance Programmes]

     

    Why not go for separate local schemes?

    Investing in International Group Income Protection will provide your business and staff with one central contract, one set of paperwork, one renewal date, all under one language.

    As you can imagine, this makes for a much smoother and simpler process, compared to having lots of different policies in different locations. Doing this will save time and money for HR handling claims. This is true across most areas of employee benefits, whether it’s the systems used to manage and make them available, or the policies themselves. For example, Group Health Insurance, Life Insurance and Critical Illness schemes can be all be purchased as a single policy covering multiple countries – and all made available on a single platform.

    Would you like to ask an expert about International Group Income Protection? Call 01273 974419 or email enquiries@engagehealthgroup.co.uk. We can also gather quotes tailored to your business need without any charge or obligation.

     

    Why Sick Pay Insurance is important for remote workers

    Income Protection provides essential financial support to your staff, giving them peace of mind that they will be supported by the organisation they work for. This reassurance is particularly needed for expat employees, globally-distributed workers, and their families where they might not have access to the same safety nets as they would at home.

    Why else is it so important for a global remote workforce?

    • Provides employees working overseas with vital cover, especially if they have no access to a local business income protection policy
    • Provides one centralised policy covering everyone no matter where they are located, all handled with in one language and through one point-of-contact
    • Protects your business from the impact of long-term sick pay liabilities
    • Provides financial security and reassurance to staff and their families
    • Remote global staff feel more connected to the business and colleagues by being offered the same level of care
    • Provides support services to help employees in their recovery – reducing their recovery time and potentially speeding up their return-to-work
    • Most providers include wellbeing apps and services which give practical day-to-day help to employees across a wide range of issues

     

    Get further support from an international broker

    The first thing that most companies want to know about International Income Protection insurance is how much it is going to cost. The only way of knowing is by getting in touch with an impartial broker who will gather your details and source quotes from across different providers. So, if that’s you, contact us via the form on the right or via the contact details below.

    The award-winning team at Engage Health Group have a wide reach of global partnerships spanning 61 countries and territories which means we can give you the best advice and the most competitive quotes on the market.

    Contact us at enquiries@engagehealthgroup.co.uk or call 01273 974419 for FREE no-obligation advice and support.