Workplace benefit packages are often extended to employees, (or as motivation to those who are being invited to join a company), and are designed to give a sense of assurance that should something occur that, for instance, might put a person in a position in which he or she is unable to earn income, they will be protected financially. The range of benefits include coverage such as long-term care and disability protection, accident and critical illness and even universal life insurance coverage. All of this and more can be provided with an employer’s work benefits plan.