SECTION2. HEALTHBENEFITSOFFERRATES – Critical illness insurance provides a cash benefit when an enrollee is diagnosed with a specified condition, such ascancer. Twenty-threepercentofsmallfirmsand46%oflargefirmsoffercriticalillnessinsurancetotheir employees. Offirmsofferingthesebenefits,3%makeacontributiontowardthecostofthecoverage[Figure2.18]. – Hospitalindemnityplans,sometimesknownashospitalcashplans,provideacashbenefitwhenanenrolleeis admittedtothehospitalorhasacertaintypeofoutpatientsurgery. Sixteenpercentofsmallfirmsand28%of large firmsofferhospitalindemnityinsurancetotheiremployees. Offirmsofferingthesebenefits,5%makea contributiontowardthecostofthecoverage[Figure2.18]. – Long-termcareinsurancecoversassistancewithdailylivingnotgenerallycoveredbyhealthinsurancesuchas carefromahomehealthworkerornursinghome. Sixteenpercentofsmallfirmsand25%oflargefirmsoffer long-termcareinsurancetotheiremployees,similartothepercentagesin2011. Offirmsofferingthesebenefits, 47%makeacontributiontowardthecostofthecoverage[Figure2.18]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 49