Group Life Insurance

Aviva DigiCare+ Workplace

What it is

We can’t predict what will happen tomorrow, but we can prepare for it today. Provided by Square Health, the Aviva DigiCare+ Workplace app can help. It puts the guidance and care your insured employees need to help detect, manage and prevent physical and mental health problems at their fingertips. It takes only a few clicks to help them towards a healthier future. 

How it helps

Aviva DigiCare+ Workplace services at a glance

• Health Check – this annual service, via a self-administered fingerprick blood test, looks at 20 different health markers to spot problems early, including diabetes risk, cholesterol status and liver health. It also includes a personalised health report with a follow-up digital GP consultation available. 
• Digital GP – your employees can receive the guidance they need from an NHS-registered private GP through the app and usually receive an appointment within 24 hours. They will have access to 20-minute video consultations (including wrap-up time), which can be shared with their eligible immediate family members. Video consultations are bookable any day of the week between 8am and 8pm. 
• Nutritional Consultations – your employees have access to 30-minute consultations with a trained nutritionist, which can be shared with their eligible immediate family members. It offers advice and guidance on optimal eating plans, how to change their relationship with food and breaking bad habits. 
• Mental Health Consultations – to help with many types of issues, from workplace stress to money worries, big life changes and more. Includes bereavement support for the unfortunate times when employees need it. 
• Second Medical Opinion – for an expert opinion on an initial diagnosis and treatment plan, this service can be shared between your employee and their eligible immediate family members. These are UK based clinicians.

There may be limits to the number of times your employees can use the above services, they can check their full allowances within the app.

To find more detailed information on each of these services , please visit our Aviva DigiCare+ Workplace page.

Wellbeing Library

Your employees can also access Aviva's Wellbeing Library through Aviva DigiCare+ Workplace. Stress and worry can take a toll on wellbeing, wherever it comes from. The Wellbeing Library is an online library of useful content, hints and tips - including guides and tools. In the Wellbeing Library, your employees will find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions. Whatever's on their mind, they can find information to help them deal with it.

Terms and privacy policy apply.

The benefits

Benefits to your business

• Supports a wellbeing agenda
• Could help reduce sickness and absenteeism
• Could help improve the health and wellbeing of your workforce 
• Helps your business stand out from the crowd, attract and retain talent

Benefits to your employees

• Helps with early detection of health-related matters 
  
• Easy to access, flexible health benefits 
• Helps prevent and intervene where needed 
• Supports your employees and their eligible family members

Increased allowances for multi-product holdings

If you hold more than one Group Protection policy, then the service allowances available to your insured employees will increase for Digital GP, Mental Health, Bereavement and Nutritional Consultations. 

• Two policies – double the services
• Three policies – triple the services

Access to a large network of medical professionals

Aviva works with Square Health to provide Aviva DigiCare+ Workplace. Set up by doctors, Square Health has more than 25 years’ experience working with companies like Aviva to deliver benefits to their customers. 

With an established infrastructure providing access to over 5,000 medical specialists across the UK, Square Health helps us to put your employees needs first.

Find out more

If you have any questions, take a look at:

Our Aviva DigiCare+ Workplace website

Aviva DigiCare+ Workplace Adviser/Employer Brochure

Alternatively, please get in touch with your Aviva Account Manager, or email our Sales Team at digicare@aviva.com

Aviva Line Manager Toolkit: Mental Health

What it is

The Aviva Line Manager Toolkit: Mental Health offers video modules and supporting content – all designed by clinicians – to help line managers spot the warning signs of poor mental health, identify reasonable adjustments and manage professional boundaries. It also gives them the confidence to have supportive conversations with team members, so they can address issues before they become more serious.

The toolkit is available to both insured and uninsured line managers.

How it helps

The digital Aviva Line Manager Toolkit: Mental Health can help line managers feel more confident in holding appropriate and supportive conversations with team members, so they can help address mental wellbeing concerns before they become more serious. It takes Aviva to help give them the training they need to help make a positive difference.

The benefits

Helping an employee with poor mental health to stay in work or manage a successful return to work after mental health leave is critical. The toolkit provides key information and guidance for line managers on the reasonable adjustments and adaptations which could be made.

Important Information

This service is not intended to offer personalised medical advice or replace established mental health care pathways. It supplements existing channels by offering an advice and support framework for line managers, helping them to support colleagues who may be experiencing mental wellbeing concerns which are presenting within the workplace.

Terms and privacy policy apply.

Find out more

If you have any further questions on the Aviva Line Manager Toolkit: Mental Health, please get in touch with your Financial Adviser or your Aviva Account Manager. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Get Active

What it is

Get Active supports your insured employees wellbeing and fitness goals with savings on gym services, discounted lifestyle products and money-saving offers at over 3,000 health and fitness clubs.

The benefits

The benefits of regular exercise could mean a fitter, healthier and happier workforce. In turn, this could lead to increased employee engagement and productivity.

Cancer Care with Get Active
Cancer Care with Get Active offers discounted products and services that can help your insured employees with the daily living adjustments a cancer diagnosis and treatment can bring, as well as offers on services and experiences that may enhance quality time spent with family and close friends.

Whether your employee is accessing the cancer care for them self or to help support loved ones, or those close to them following a cancer diagnosis, this service is available to use any time – not just during a claim.

Find out more

For more information on Get Active, please visit www.getactive.aviva.co.uk

Terms and privacy policy apply.

The sign-up process for some offers, such as health and fitness clubs, means your employees will enter into a binding contract. This may include conditions such as minimum term and monthly fees. It is important that your employees read the terms and conditions relating to their offer and/or chosen health and fitness club carefully.

If you have any further questions on Get Active, please get in touch with your Financial Adviser or your Aviva Account Manager. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Bereavement Helpline

What it is

Losing someone is difficult and those left behind can struggle to cope. Provided by Care first, the Bereavement Helpline offers emotional and practical support from qualified bereavement counsellors to your insured employees' if they lose someone. And if your employee is the one that passes away, their immediate family can use the service to help them cope with their loss.

How it helps

Coping with the death of a loved one or employee is difficult. Through the Bereavement Helpline, your employees and their family members can talk with qualified bereavement counsellors, who can offer:

• practical and emotional support 
• help with funeral arrangements, and 
• information on dealing with probate, including referrals to specialist organisations for support.

Provided by Care first, it offers in-the-moment support for insured employees and their family members (spouse/partner or dependants aged over 16). It's available at any time, no matter how long after bereavement.

Find out more

For more information on the Bereavement Helpline, please get in touch with your Financial Adviser or your Aviva Account Manager. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Grief Encounter

What it is

Grief Encounter is a childhood bereavement charity in the UK, supporting children, young people and their families after the death of a parent or sibling.

How it helps

Grief affects everyone uniquely. For children and young people, grief is life changing. That's why Grief Encounter offers a wide range of services to help children and their families navigate through their pain, isolation and confusion. This includes:

• One-to-one counselling
• Group workshops
• Creative therapies, including music, art and drama therapy
• Weekend residentials and family fun days
• A free, nationwide, confidential helpline called Grieftalk, which also offers a web chat service for those who prefer not to talk over the phone
• Support to help children who become suddenly or traumatically bereaved

How to access the service

Support from Grief Encounter is available via the below channels:

Grieftalk helpline – call 0808 802 0111, weekdays, between 9am and 9pm

www.griefencounter.org.uk

grieftalk@griefencounter.org.uk

Grief Encounter provides a professional and confidential service.

Registered charity number: 1175837

Find out more

If you have any questions about Grief Encounter, please get in touch with your Financial Adviser or usual Aviva Account Manager.

Stress Helpline

What it is

The Stress Helpline offers insured employees the chance to talk in confidence to trained counsellors about issues they feel are causing them stress.

How it helps

Provided by Care first the helpline can be a good place for employees who need help with personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them, aiming to achieve the best outcome for employees and employers.

Stress can develop when your employees feel they are having difficulty with the demands and expectations they face. And stress carries potential risks for your business, such as increased absenteeism, lower productivity, and low levels of morale. The Stress Helpline offers your insured employees' the chance to talk confidentially to accredited counsellors about anything that's bothering them, from money to family to relationships and everything in between.

Insured employees' can use the Stress Helpline, all year round. They simply call a dedicated number for a confidential chat with a trained counsellor.

For joint protection, telephone calls may be recorded and/or monitored for quality and training purposes. Calls to 0800 numbers from UK landlines and mobiles are free. The service is available to employees aged 16 or over.

Find out more

If you need any further help, please get in touch with your Financial Adviser or your Aviva Account Manager. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

 

Wellbeing Library

What it is

Stress and worry can take a toll on wellbeing, wherever it comes from. The Wellbeing Library is an online library of useful content, hints and tips – including guides and tools. 

The benefits

In the Wellbeing Library, your employees will find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions. Whatever's on their mind, they can find information to help them deal with it.

How employees access the service

For insured employees' who already have the Aviva DigiCare+ Workplace app, they can access the Wellbeing Library content directly within the app it self. For uninsured employees' or customers without the Aviva DigiCare+ Workplace app, the Wellbeing Library is available as an online resource resource within the Employee Hub.

Find out more

If you need any further help, please get in touch with your Financial Adviser or your Aviva Account Manager. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Aviva Cancer Care Support

What it is

We know a cancer diagnosis can be life-changing in many ways: physically, emotionally and financially.

We're here to help your employees through their cancer journey as much as we can. To help you support your employees during a difficult time, we've brought together all the details of our support services on one hub, so you can more easily find useful information, helpful advice and where to go for more help.

How it helps

We work alongside our partners, Macmillan Cancer Support, to offer expert support to your employees living with or affected by cancer.

Because cancer can affect people's lives in so many ways, we'll do our best to give your employees the support they need.

Macmillan Cancer Support offers tailored and trusted information to help with the physical, emotional and financial effects of cancer through diagnosis and beyond.

Find out more

For more information on Aviva Cancer Care Support or if you need further help, please get in touch with your Aviva Account Manager or your Financial Adviser. Alternatively, you can contact our Sales Team via telephone or email: groupprotectionsalessupport@aviva.com

0800 145 5684 (we may monitor or record calls). Please note, our Sales Team cannot provide financial advice.

Aviva Mental Health Guidance

What it is

Good mental health is important in your workforce.

We want to help your employees when things become too much. If an employee is experiencing stress, anxiety, or poor mental health, they can find it difficult to get back on track.

Aviva can help employees and line managers manage and improve their mental health by giving them access to helpful information, including videos, articles and advice.

How it helps

To help your employees look after their mental health better, we asked an expert clinician to help us produce a series of short videos. 

Each video deals with a different aspect of mental health. Watching these videos can help employees identify and find out more about common mental health problems. They can also learn techniques to help improve mental wellbeing.

A supporting guide is available with each video, summarising the key messages.

You can use these videos to support your own wellbeing strategy to help your employees - and your business - stay in tip-top health.

Business benefits

Effective workplace mental health support strategies can help improve employee engagement, reduce absenteeism for stress-related illnesses and make good businesses better places to work.

Find out more

For more information on Aviva Mental Health Guidance or if you need further help, please get in touch with your Financial Adviser. Alternatively, you can contact our Sales Team via telephone or email: groupprotectionsalessupport@aviva.com

0800 4045 035 (we may monitor or record calls). Please note, our Sales Team cannot provide financial advice.

Red Apple Law legal services

What it is

There can be so many things to consider when planning for the future. These can include buying or selling a home, to Will writing – and the legal aspect of it all can sometimes feel quite overwhelming. That’s why, through Aviva's Group Life policy your employees are able to access a range of services to help give them some peace of mind that their legal essentials are in order.

These legal services are provided by Red Apple Law, who form part of the Trust Inheritance Group. They’ve been providing legal services for more than 30 years and during this time, have helped more than 300,000 people write their Wills or to plan for their family’s futures. They also support around 6,000 families annually to understand and complete their next steps during bereavement.

Your employees can access the Red Apple Law legal services whether they're insured under your Group Life policy or not. These services are also available to their spouse or partner.

The Terms and conditions and the Privacy Policy can be viewed online

Funeral Support

Before the funeral has taken place, families may have lots of questions about belongings and property as well as how to locate and understand the Will. Red Apple Law’s experienced bereavement team will ensure that loved ones receive correct, jargon-free information to help them understand the process.

Some of the things Red Apple Law can help with:

• Advice on how to locate a Will, Funeral Plan or Memorandum of Wishes (Funeral Wishes document)
• Advice on how the costs of the funeral will be managed in relation to the whole estate
• Support finding a reputable and regulated funeral planning service

Red Apple Law can help administer the estate after the funeral, and are available to support families with practical advice and step-by-step guidance.

After the funeral, Red Apple Law can help with:

• Practical help to identify next steps
• Clarification of legal duties as an executor or beneficiary 
• Support to understand whether Probate is required and what services are available
• Access to the widest range of legal services available. Employees can access the Executor Toolkit free of charge
• Providing a free interactive bereavement guide for everyone

At any time before or after the funeral, families can access free online Grief Counselling via Red Apple Law’s online portal.

Funeral Wishes Register

In a legal sense, a Will is really helpful to determining how a person wants their property and assets distributed after death. But a ‘Memorandum of Wishes’ is often missing and can be equally as valuable, helping to answer the questions that a bereaved family will have in the days that follow a death. 

Not knowing what someone would have wanted can create feelings of regret and doubt, and even lead to family disputes. Being able to refer to the ‘Memorandum of Wishes’ can help the family feel as though they are comfortably fulfilling the wishes of their loved ones.

Once created, it is stored on the National Funeral Wishes Register until needed and their loved ones can access them easily in the future.

The Funeral Wishes Register is an optional paid for service, available at a discounted rate.

Life Planning Services

(the Life Planning Services include Will Writing, Lasting Power of Attorney, Living Will and My Final Wishes)

Will Writing

A Will ensures your money, property and possessions go to the right people when you pass away. Through planning ahead and writing a Will your employees will have the peace of mind that, when the time comes, their wishes will be carried out in exactly the way they’ve chosen, and they’ll have done all they can to make life as easy as possible for those they leave behind.

The Will Writing service is an optional paid for service, available at a discounted rate.

Lasting Power of Attorney

A Lasting Power of Attorney (LPA) allows an employee to appoint Attorneys to make decisions on their behalf should they become unable to. An Attorney is a person who they trust to make decisions which are in their best interest. An LPA is mainly used if they don’t have the mental capacity to understand and make decisions themselves.

There are two different types of LPA:

1. Property and Financial
2. Health and Welfare
   

An LPA is an optional paid for service, available at a discounted rate.

Living Will

A Living Will, sometimes referred to as an Advance Directive, is a way in which an employee can let medical professionals know their decisions about what medical treatment they would and would not like to receive, should there come a point that their unable to express this information themselves. This can spare their loved ones from needing to make a very difficult decision at a hard time.

A Living Will is an optional paid for service, available at a discounted rate.

A Living Will is legally binding in England and Wales – but not legally binding in Scotland, Northern Ireland, the Channel Islands, or the Isle of Man. However, in Northern Ireland, a clear and specific advance decision is given legal effect under common law, meaning a healthcare professional must follow it if they know about it. If a healthcare professional has been advised to follow the decision of a Living Will and becomes aware one exists, this does then make it legally binding.

Terminal Illness Support

When someone is diagnosed with a terminal illness, they may want to review their current Estate Planning or talk to a professional to put legal documents and practical plans in place, as well as bereavement support for their loved ones.

Red Apple Law offer a legal planning consultation with their highly experienced Estate Planning team. They work in partnership with the bereavement team to provide the best advice to help the individual support their loved ones with legal planning and emotional support.

This service is accessed via a call-back from a specialised professional. A member of their support team will call your employee to learn more about their goals for their planning session. They will then allocate your employee an appointment with an Estate Planning specialist to finalise any plans they would like to put in place.

Services chosen during the Estate Planning appointment include optional paid for services, available at a discounted rate.

My Final Wishes

The My Final Wishes package has been designed by Bereavement Counsellors and Life Planning professionals to:

• give employees peace of mind making it easy to share plans with family and loved ones
• bring emotional comfort to family and loved ones during bereavement
• give practical support to family and loved ones by providing answers to hundreds of decisions, when they need them

My Final Wishes is an optional paid for service, available at a discounted rate.

Within My Final Wishes your employees will find the following tools:

• Digital Assets – an employee can provide loved ones with information and instructions around what they would like to do with their online presence after they’ve passed away
• Premium Document Folder – with premium online document storage, an employee can arrange their important documents into into folders to help them stay organised day-to-day, and to make things easier for their loved ones to access in future

Legal Helpline

The Legal Helpline is a telephone call back service which provides access to advice and guidance from a legal expert and is free to use. Whether an employee is looking for legal guidance in relation to buying or selling a home, making plans for their loved ones through writing a Will or managing an inheritance; or maybe they have questions about divorce or co-habiting – this service could help them.

The helpline can also provide guidance on accident and personal injury implications or their rights and restrictions when someone they love loses capacity. They can rest assured that through this service, support is available during many of life’s more serious moments.

The Legal Helpline may suggest some additional services that could also be helpful – some of these services may charge a fee.

Estate Administration

The Estate Administration service offers different levels of support, depending on an employee’s needs. It includes a free online legal tool which provides step-by-step guidance to help manage and complete practical tasks and legal duties when someone has passed away. It helps them get everything they need in one place and save money by completing Estate Administration and Probate themselves, while giving them the security of knowing they haven’t missed a thing.

If they’d prefer not to do everything themselves, employees can choose to hand over some or all the work to a regulated professional – fees will apply depending on the level of support they would like. In addition, they can access free online professional Grief Support and an online Bereavement Guide at any time through their dashboard.

Find out more

To find out more about the Red Apple Law legal services, please speak with your Aviva Account Manager or Financial Adviser.

Wellbeing Training

What it is

Wellbeing Training is an increasingly sought-after tool for supporting employee health as part of an overall wellbeing strategy. To ensure that you have access to the training you need – and at a time that suits you – we’ve worked with our existing suppliers to deliver a broad range of topics. And all the training can be tailored to meet the specific needs of your business.

How it helps

Training is a core part of a wellbeing strategy. Whether it’s run in-line with an awareness day, or throughout the year, providing training for your employees gives them the resources to help improve their overall health.

What are the potential benefits of this service?

• Transform the company’s culture
• Stand out from the crowd
• Improve employee health and wellbeing
• Create a great place to work
• Enhance employee engagement
• Reduce healthcare costs

How can I access this service?

You'll have direct access to our trusted suppliers which are available through the Employer Hub. This allows you to speak to the supplier yourself, working out the best training for your business. During this conversation, the supplier will be able to advise on the costs involved. The costs payable for the training courses are normally classed as a ‘business expense’. This is based on our understanding of current tax law and practices, but please be aware that tax law and practices could change in the future. We would recommend that your client’s seek professional advice from their own tax advisers.

The courses delivered by our trusted partners are typically provided at discounted rates.

Webinar Calendar

We also run a calendar, which provides access to the most popular wellbeing topics for you and your employees at no extra charge.

Find out more

If you have any questions or would like to find out more about Wellbeing Training, please get in touch with your Aviva Account Manager or Financial Adviser. Alternatively, you can email our Sales Team at groupprotectionsalessupport@aviva.com.