By Katharine Moxham, spokesperson for Group Risk Development (GRiD)

Many employers are engaged with the challenge of meeting the needs of several generations in the same workplace but some benefits are relevant across the workforce, regardless of age, role or salary.

Death, illness, accident and disability are mostly random and can happen to anyone at any time. So, no one should really be without a way to protect their own financial stability and that of their family – especially if savings are sparse.

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