Group Income Protection

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

The app offers access to five different services, including a self-administered annual Health Check. This helps your employees to understand current health conditions as well as spot any potential early warning signs.

Aviva DigiCare+ Workplace services at a glance:

• Health Check – this annual service, via a self-administered finger-prick 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 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 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. This service can be shared between your employee and their eligible family members.
• 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 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 out more detailed information on each of these services visit our Aviva DigiCare+ Workplace page.

You 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.

The terms and conditions for Aviva DigiCare+ Workplace can be viewed within the app. Employees will need to agree to these before using any of the services. The privacy policy can also be viewed in-app before signing up.

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 only. 

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

Access to a large network of medical professionals

Aviva is working 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 further questions, take a look at:

Our Aviva DigiCare+ Workplace website

Aviva DigiCare+ Workplace Adviser/Employer Brochure

Alternatively, please get in touch with your usual Aviva contact or Financial Adviser, or email us 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 Aviva Line Manager Toolkit: Mental Health is available to both insured and uninsured line managers as part of an eligible Aviva scheme.

The toolkit 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. 

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

Please be aware that 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, conditions and privacy policy apply.

Find out more

For more information on the Aviva Line Manager Toolkit: Mental Health, please get in touch with your usual Aviva contact or Financial Adviser. Alternatively, you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Employee Assistance Programme (EAP)

What it is

Provided by Care first and designed to help your employees to stay healthy and happy, our Employee Assistance Programme (EAP) can offer valuable in-the-moment support in all areas of their lives, such as coping with pressures at work, relationship break downs, or money worries.

The benefits

• 24/7 counselling helpline
  The Employee Assistance Programme includes access to a 24/7 helpline for in-the-moment support. Your employees can talk to qualified counsellors from The British Association of Counselling and Psychotherapy (BACP), about any personal issues they may have.
• Qualified Counsellors
  Your employees can talk to BACP accredited counsellors, who can provide in-the-moment advice and support to help them work through their concerns and deal with anxiety or stresses with short-term solution focused therapy. If counselling is clinically appropriate, the EAP offers up to eight counselling sessions a year.
• Information services to help employees address everyday challenges
  The programme's information services can equip your employees with essential knowledge to help them address everyday challenges at work or in their personal life. They aim to answer queries and offer immediate help and if necessary, they will refer your employee to a BACP counsellor.
• Online resources
  Employees can also access online resources with advice, articles and webinars on everyday topics, from relationships and childcare to bereavement.

The EAP is provided by Care first and is offered to all your employees, regardless of whether or not they are covered under Aviva's Group Income Protection policy.

Find out more

If you have any questions about the EAP, please get in touch with your usual Aviva contact or Financial Adviser. 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 online workouts, 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

The terms and conditions and the privacy policy can be read online before signing up.

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 questions about Get Active, please get in touch with your usual Aviva contact or Financial Adviser. Alternatively, you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

Thrive

What it is

Thrive empowers people to access mental health support anytime, anywhere, for as long as is needed. They combine science, clinical experience, and the latest technology to help people manage and improve their mental health – at work, at home, at the touch of a button. The app includes more than 100 hours of evidence-based content designed to help your employees self-manage their mental health and wellbeing.

How it helps

The app can detect early symptoms of mental health conditions, providing tools and signposting to manage these before they become severe. Early intervention and effective management can help improve recovery rates. Thrive can also provide regular data reporting and feedback, so you can make informed decisions on how to support your employees. This could lead to improved healthcare outcomes for your employees and show a real return on investment.

The benefits

Accessible support for all – Thrive is available in multiple languages and is available 24/7.

The app uses smart technology to prevent, detect and self-manage conditions such as stress, anxiety, and depression and signposts you to further support when required.

Safe, secure and confidential to use.

Your employees can take control of their mental health with Thrive, offering more than 100 hours of evidence-based content to suit their needs.

• Computerised cognitive behavioural therapy (cCBT) – a proactive CBT programme to help manage specific stressors and retrain unhelpful thoughts which improves resilience and prevents common mental health conditions.
• Deep muscle relaxation – a technique to induce a relaxation response to calm the mind, slow the heart rate and reduce tension.
• Calm breathing – a technique that your employees can learn quickly and practice regularly to reduce stress, anxiety, and panic.
• Meditation – meditation helps achieve a mentally clear and emotionally calm and stable state, helpful for removing the overwhelm created by racing thoughts and for letting go of stress and worry.
• Self-suggestion – your employees can learn how to create new thought habits to help them deal with stressful situations.
• Applied relaxation – an advanced form of deep muscle relaxation used to learn how to rapidly relax and reduce feelings of stress, panic, or anxiety.

Thrive is available to all employees, both insured and uninsured. The terms and conditions and the privacy policy can be read in-app before signing up.

Find out more

To find out more about Thrive, please get in touch with your usual Aviva contact or Financial Adviser. Alternatively, you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.

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 carefully selected suppliers to deliver a broad range of topics. And all the training can be tailored to meet the specific needs of your business.

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.

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. These webinar sessions provide both insight and tools to support you and your employees, they are easy to access and are run by a range of Aviva experts, clinicians and carefully selected partners.

The benefits

Wellbeing training could help your business:

• transform the company’s culture
• stand out from the crowd
• improve employee health and wellbeing, reducing absenteeism and presenteeism
• create a great place to work, potentially attracting new talent
• enhance employee engagement and productivity
• reduce healthcare costs

How to access the training

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.

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 contact or Financial Adviser. Alternatively you can email our Sales Team at groupprotectionsalessupport@aviva.com

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’re working 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 Macmillan Cancer Support, please visit: www.macmillan.org.uk/cancer-information-and-support

If you need further help or would like to find out more about Aviva Cancer Care Support, please get in touch with your usual Aviva contact or 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 is only a few minutes long and 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.

They can watch them all at once or dip in and out, so they keep on top of their mental health whenever they want.

The videos fall into three modules, each with a supporting guide 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

If you need further help or would like to find out more about Aviva Mental Health Guidance, please get in touch with your usual Aviva contact or 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 Income Protection 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 Income Protection 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 themseleves, 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 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. 

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 to 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 itself. For uninsured employees or customers without the Aviva DigiCare+ Workplace app, we've made the Wellbeing Library available as an online resource within the Employee Hub.

Find out more

To find out more about Aviva DigiCare+ Workplace and the Wellbeing Library, please get in touch with your usual Aviva contact or Financial Adviser. Alternatively, you can email our Sales Team at groupprotectionsalessupport@aviva.com. Please note, our Sales Team cannot provide financial advice.