NEW YORK--(BUSINESS WIRE)--New York Life today announced the launch of a new portfolio of voluntary benefits, aimed at enhancing employees' financial security. These benefits include accident, critical illness, and hospital indemnity insurance and will be available to employers through New York Life Group Benefit Solutions (NYL GBS)..

纽约--（商业新闻短讯）--纽约人寿今天宣布推出新的自愿福利组合，旨在增强员工的财务安全。这些福利包括意外、重大疾病和医院赔偿保险，将通过纽约人寿保险集团福利解决方案（NYL GBS）向雇主提供。。

As healthcare costs continue to rise and companies shift towards health plans that require more cost-sharing, employees face financial risks from unexpected health issues and out-of-pocket medical expenses. New York Life's voluntary benefits are designed to mitigate these challenges, offering employee-centric, tailored plans that cover more medical conditions and treatments while reducing administrative complexity for employers..

随着医疗保健成本持续上升，公司转向需要更多成本分担的健康计划，员工面临意外健康问题和自费医疗费用带来的财务风险。纽约人寿的自愿福利旨在缓解这些挑战，提供以员工为中心的量身定制计划，涵盖更多的医疗条件和治疗，同时降低雇主的管理复杂性。。

“Recognizing that many employees may not anticipate all costs related to health issues, our benefits are specifically crafted to bridge gaps in medical coverage and even address additional expenses associated with receiving care. Our aim is to ensure employees derive the utmost value from these benefits, fostering both better health and greater financial security,” said Scott Berlin, Senior Vice President of New York Life’s Group Insurance Businesses.

斯科特·柏林（ScottBerlin）说：“认识到许多员工可能无法预期与健康问题相关的所有费用，我们的福利是专门为弥合医疗保险的差距，甚至解决与接受护理相关的额外费用而制定的。我们的目标是确保员工从这些福利中获得最大价值，促进更好的健康和更大的财务安全。”，纽约人寿集团保险业务高级副总裁。

“These solutions have been designed to be used, not forgotten.”.

“这些解决方案是为使用而设计的，而不是被遗忘。”。

The new voluntary benefit offerings from New York Life enable a more seamless connected benefits experience. They are aligned with medical plans and feature an easy, automated claims process when paired with other NYL GBS coverages.

纽约人寿（new York Life）新推出的自愿福利服务使您能够获得更无缝的福利体验。它们与医疗计划保持一致，并且与其他纽约州GBS保险配对时，具有简单，自动化的索赔流程。

Beyond covering direct medical expenses, New York Life’s voluntary benefits also cover a range of health-related costs. These include travel, lodging, and care for dependents and pets, ensuring comprehensive and flexible support for employee’s unique needs. Many of these benefits are paid in a single lump sum payment that the employee can use any way that they want, including to cover day-to-day living expenses..

除了支付直接医疗费用外，纽约人寿的自愿福利还包括一系列与健康相关的费用。其中包括旅行、住宿以及照顾家属和宠物，确保为员工的独特需求提供全面而灵活的支持。其中许多福利都是一次性支付的，员工可以用任何方式支付，包括支付日常生活费用。。

In support of this launch, NYL GBS conducted research into employee sentiment and the current healthcare landscape. These findings shed light on how employees engage with healthcare benefits and survey results will be released in early 2024.

为了支持此次发布，NYL GBS对员工情绪和当前医疗保健状况进行了研究。这些发现揭示了员工如何参与医疗福利，调查结果将于2024年初发布。

For further details about these new offerings, please visit New York Life GBS Voluntary Benefits.

有关这些新产品的更多详细信息，请访问纽约人寿GBS自愿福利。

About New York Life

纽约人寿简介

New York Life Insurance Company (www.newyorklife.com), a Fortune 100 company founded in 1845, is the largest mutual life insurance company in the United States1 and one of the largest life insurers in the world. Headquartered in New York City, New York Life’s family of companies offers life insurance, retirement income, investments and long-term care insurance.

纽约人寿保险公司（www.newyorklife.com）是一家创建于1845年的财富100强公司，是美国最大的互惠人寿保险公司1，也是世界上最大的人寿保险公司之一。总部位于纽约市的纽约人寿家族公司提供人寿保险、退休收入、投资和长期护理保险。

New York Life has the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies2..

纽约人寿拥有四大主要信用评级机构目前授予美国人寿保险公司的最高财务实力评级2。。

Product availability may vary by state and is subject to change. Voluntary benefit products are not available in New York.

产品可用性可能因州而异，并可能发生变化。纽约不提供自愿福利产品。

Accident insurance, critical illness insurance, and hospital indemnity insurance are limited benefit policies. Accident insurance pays benefits for accidents only. These products are not health care insurance and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

意外保险、重大疾病保险和医院赔偿保险是有限的福利政策。意外保险只为意外事故支付保险金。这些产品不属于医疗保险，不符合《平价医疗法案》规定的最低基本保险要求。

New York Life Group Benefit Solutions Accident insurance, Critical Illness insurance, and Hospital Indemnity insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Policy provisions and product availability may vary by state. Policy forms: Accident: GBS-AI-1000.00; Critical illness: GBS-CI-1000.00; Hospital indemnity: GBS-HI-1000.00..

纽约人寿保险集团福利解决方案意外保险、重大疾病保险和医院赔偿保险由纽约人寿保险公司的子公司纽约人寿保险和年金公司承保。政策规定和产品可用性可能因州而异。保单形式：事故：GBS-AI-1000.00；危重病：GBS-CI-1000.00；医院赔偿：GBS-HI-1000.00。。

1 Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/5/2023. For methodology, please see https://fortune.com/fortune500/.

1根据2023年6月5日《财富》杂志“财富500强行业排名，保险：人寿、健康（互惠）”报告的收入。有关方法，请参阅https://fortune.com/fortune500/.

2Individual independent rating agency commentary as of 10/19/2023: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+).

2截至2023年10月19日的个人独立评级机构评论：上午最佳（A++）、惠誉（AAA）、穆迪投资者服务（AAA）、标准普尔（AA+）。