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After health insurance, the most important benefit an employer can offer, in my opinion, is long-term disability coverage. This is not a coverage that you can go out and buy anywhere. So, if I’m an employee and my employer doesn’t offer this to me, I have no way to go out and purchase at an affordable price, long-term disability coverage.

And if you think about this, as an employer, if one of your employees, becomes very ill, and can’t work or is in an accident and can’t work for a long period of time, how are you going to feel when you have to cut off their paycheck? So long-term disability coverage takes that burden off of the employer.