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types of employee benefits

What Are the Main Types of Employee Benefits?

Some companies offer paid parental leave; others provide tuition reimbursement. Yet others provide pet insurance for their employees’ furry friends. While some companies provide great employee perks, there are three types of benefits that are more commonly offered by employers and desired by most employees.


Health insurance is the most common and most fundamental benefit employers can offer. Major medical expenses can really hurt uninsured employees. Good health coverage helps employees avoid the burden of heavy healthcare-related debt.


Employer-sponsored life insurance eases the financial burden on families in the case a loved one passes. This insurance can help cover funeral expenses and ongoing living expenses. Also, it’s critical that employees keep beneficiary information up to date.


Short and long-term disability insurance pays employees in the event they can’t work due to an injury or illness. Disability insurance gives employees the much-needed income during this difficult time and employers with peace of mind knowing the employee’s financial needs are met while they heal.

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.