Wellbeing support - Group critical illness cover

Only when adult care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex.

To support employees during this often emotionally charged and stressful period, we’ve introduced Care Concierge. This free resource provides employees with access to a care expert for guidance about a loved one’s care needs.

More about Care ConciergeMore about Care Concierge

When a Group critical illness cover policy is taken out with Legal & General employees can take advantage of discounts and offers from selected Legal & General products.

Individual life insurance

An employee can take out personal life insurance which will pay a cash sum to their family if they die whilst covered by the insurance.

• 10% discount off our life insurance premiums plus
• £30 M&S Gift Card

To get a quote, employees can call 0800 008 3174, using offer code DISERV.

Lines are open:

8am to 8pm Monday to Friday
9am to 5pm on Saturday

We may record and monitor calls. Terms and conditions apply.

Later life mortgages

A later life mortgage is a loan secured on an employee’s home. These types of mortgages are for homeowners aged 55 and over.

When employers have a group protection policy with us, employees can receive a £250 Love2shop gift card if they receive financial advice from Legal & General Financial Advice Limited and successfully complete one of our later life mortgages. Terms and conditions apply.

Employees can find out more and apply for a later life mortgage by visiting our employee site.

We’ve brought together a group of experts from a range of clinical, occupational and vocational rehabilitation fields, as well as business consulting, to work together on the important health and wellbeing issues facing employers and their employees today.

Whether an employer looking for guidance or they have an employee facing a health issue, we can help.

Wellbeing Advisory Board Wellbeing Advisory Board

Provided by MEDIGO

For those employees covered by our group critical illness cover, the second opinion service provides access to a global network of medical specialists from a wide range of specialities. The specialist will offer second opinions on diagnoses and treatments for almost any condition, allowing the employee to understand the potential impact of their condition and evaluate the most appropriate clinical pathway for their needs. As well as the employee we’re covering, their immediate family* can also utilise this service.

Second opinion helps to:

• Avoid unnecessary treatments
• Improve treatment outcomes
• Provide peace of mind
• Empower individuals to make informed choices on their healthcare

This service is not available for existing chronic conditions, mental health problems, or General Practitioner-related services. A maximum of two second medical opinions per household, per calendar year.

Provided by MEDIGO

Medical concierge provides the employee and their immediate family* with access to privately paid for treatment in the UK or overseas. This service can help employees covered by our group critical illness cover, to focus on their health whilst the Case Manager co-ordinates the treatment plan. As well as the employee we’re covering, their immediate family can also utilise this service.

The medical concierge service will:

• Review the employee’s proposed treatment plan and supporting medical documents
• Interview them to determine the desired treatment options, preferred location of treatment (UK or abroad), and treatment budget
• Search and present up to three quotations for treatment
• Book the treatment with the chosen provider (UK or abroad)
• Provide telephone support throughout the period of treatment
• Support with arrangements including flights, ground transport, accommodation, and interpreter services if needed
• Provide help with visa applications if needed

Although the concierge service is free, the employee will need to pay for treatment and associated travel and logistics costs they choose.

Provided by MEDIGO

The diagnosis of a health condition or injury can be an unsettling time. That’s why our professional and personalised Nurse Support Service will be on-hand to provide a virtual service by offering practical, emotional support to employees covered by our group critical illness cover, if they receive a referral from a GP to a clinical specialist. The nurses provide  on-going care every step of the way during the illness. As well as the employee we’re covering, their immediate family* can also utilise this service.

No question is too big or too small. The team can help the employee with many issues:

• Have they been given a diagnosis that they’d like to talk through?
• Have they been given some results that they don’t understand?
• Have they booked a break away and realised they’ve left their medication at home?
• Do they need practical support finding medical equipment or accessories to aid their recovery or help them cope with their condition?

The service is not available for existing chronic conditions, mental health problems, cosmetic procedures or General Practitioner related services.

A lump sum payment for employees who can use the money as they wish. It can help with day-to-day bills, adaptations to a employee’s home or additional treatment. Critical illness cover for the eligible children of employees covered by this insurance is also included as standard.