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YXE Benefits Provides the Chambers Plan Group Benefits in Saskatoon > Blog > 2019 > September

Accidental Death and Dismemberment Benefit explained by YXE Benefits Team

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members. In our latest post, we shed light on Accidental Death and Dismemberment Benefit (AD&D).

A Group Benefit with Big Value

In a matter of seconds, an accident can drastically change a life. If that accident happens to one of your employees, your Chambers of Commerce Group Insurance Plan can offer support.

Accidental Death and Dismemberment benefit offers a lump sum payment in the event of death, loss of limb, or any qualified injury resulting from an accident.

Benefits are paid out in addition to other types of coverage so in the event of a loss of limb, for instance, an insured might receive disability payments as well as an AD&D payment.

In the case of accidental death, an insured’s beneficiary would receive the traditional group life insurance benefit as well as a second, equal amount, through Accidental Death and Dismemberment coverage.

Covers recovery-related expenses

If a serious injury occurs, the employee will likely face many challenges as they recuperate.

To help with recovery, the Chambers Plan Accidental Death and Dismemberment benefit will cover up to $15,000 of expenses for occupational training, and up to an additional $5,000 is available if you require special adaptive equipment or workplace modifications.

Group Benefit not limited to the Saskatoon workplace

Together these payments can form the foundation of a program to help the employee re-enter the workplace after an accident. But Accidental Death and Dismemberment benefits aren’t limited to the workplace.

Recognizing that an injury can affect how the individual interacts with his or her surroundings, there’s a benefit of up to $50,000 to modify the home or vehicle when a wheelchair becomes necessary as a result of the accident.

Accidental Death and Dismemberment Benefit can provide vital support at a critical time for Employees

This money can be used to offset the cost of projects like ramp installation, changes to the layout of the house, and vehicle control modification.

With the Chambers Plan, Accidental Death and Dismemberment benefits are extensive and included in every benefits package. It is an often-overlooked benefit but can provide vital support at a critical time.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin.

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YXE Benefits Team Shares A Study About How Paternity Leave Improves A Mothers Health

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members. In our latest post, we share a recent study regarding how paternity leave can improve mothers’ health.

Paternity leave can improve mothers’ health

When fathers take paternity leave, it can actually benefit the health of new mothers. The study looked at the effects of a 2012 Swedish law that allows fathers to take up to 30 days off work, as needed, the year after the birth of a child, but while the mother is also taking leave.

Reduction in prescriptions, hospitalizations and visits to specialists

Where fathers took parental leave in the first six months after childbirth, the researchers found a 26 per cent decrease in prescriptions for anti-anxiety medications among new mothers, as well as a 14 per cent reduction in hospitalizations or visits to specialists and an 11 per cent decrease in antibiotic prescriptions.

Though the research found fathers took only a few days intermittently within those six months, the timing proved critical because it allowed new mothers to get the health care and sleep they needed, along with the opportunity to take preventative health measures.

The flexibility to take those days ad hoc was also an important factor, the study noted.

“While workplace flexibility is perceived to be a key determinant of maternal labour supply, less is known about fathers’ demand for flexibility or about intra-household spillover effects of flexibility initiatives. This paper examines these issues in the context of a critical period in family life — the months immediately following childbirth — and identifies the impacts of paternal access to workplace flexibility on maternal postpartum health”

Paternity leave helps to reduce the risk of postpartum health complications.

The research found increasing a father’s temporal flexibility reduces the risk of a mother experiencing physical postpartum health complications and improves her mental health.

“Our results suggest that mothers bear the burden from a lack of workplace flexibility — not only directly through greater career costs of family formation, as previously documented — but also indirectly.”