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There are Short Term Disability Insurance and Long Term Disability Insurance coverage. The Short Term Disability Insurance, as the name indicates, provides substitute income for short durations. The Long Term Disability Insurance similarly offers substitute income for long period maybe even up to a person’s retirement age. This insurance is understandably meant for more prolonged periods of incapacity to work.
Employers have a legal and a moral responsibility to provide their employees safety at their workplaces. But despite the best of safety measures in place, accidents cannot be totally eliminated and they can, at best, be minimized. It is the responsibility of an employer to maintain a safe workplace, have workers compensation insurance covering his employees and protect the workers from financial hardship in the event of a workplace injury. Workers compensation insurance covers workers injured no
The Employee Assistance Program (EAP) has been established to provide Professional and Confidential counseling to the management and employees. Employee Assistance Program has been designed to provide a variety of benefits such as reduced absenteeism of workers, fewer medical claims from employees, improved work-efficiency, increased job satisfaction of staff members, fewer employee grievances etc.
A PEO (Professional Employer Organization) provides outsourcing of work compensation human resources and administration of employee benefits. It does this by hiring employees from the client company’s, in turn becoming their employer of record. PEO’s will hire them back, under the contract agreements. This practice of hiring them on contract basis is known as co-employment, employee or staff leasing.
Once this term was also recognized as "workman's comp" for short, the term has been changed to a more politically correct, androgynous phrase. Worker's compensation is essentially an insurance program, consented by law, which protects employees if they become unwell or wounded while carrying out the duties of a job.
Human resource outsourcing is extremely popular and well accepted area in any established organization. One of the most simple reason why HR outsourcing is gaining important these days is it act as a cost-saving mechanism. Today companies know that HR outsourcing is a necessary business device not only to cut shot cost, but also bring value to their enterprises.

