An employer buys a benefit, announces it once, and files the documents somewhere. Two years later somebody needs physiotherapy and pays for it privately, because they did not know the cover existed and would not have known where to look.
That is a visibility problem, and it is separate from whether the benefit is any good. This page is about the visibility problem: what it actually consists of, and what to fix first.
Almost every failure to use a benefit is a failure of one of these four, and they fail independently.
In this order, because each one makes the next one worth doing.
It does not describe any particular software, including ours. Whether a given system syncs eligibility automatically, connects to a particular insurer, offers single sign-on, or shows live provider data varies by system and by configuration, and this page makes no claim about any of it.
It does not promise that visibility raises take-up by any amount. It is a necessary condition, not a lever with a number on it. Nothing here is described as reducing absence or improving retention.
It does not replace reading your own policy documents, which are the only place your actual cover is written down.
Most often because one of four things is missing: they do not know the benefit exists, they are not sure whether it applies to them, they do not know what it covers, or they cannot find how to use it at the moment they need it. These fail independently, so a benefit can be well known and still unused because the claim route is buried.
Whether the people a benefit is for can find out that it exists, whether it applies to them, what it covers and how to use it, at the point they need it. It is separate from whether the benefit itself is well chosen, and it is usually the cheaper of the two problems to fix.
Somewhere reachable without asking a person, kept current through renewals, and singular. The specific system matters much less than there being exactly one place, because two places drift apart and the out-of-date one is the one people find.
This guide is general information about a type of employee benefit. It is not a recommendation, not advice about whether any product is suitable for you or your employees, and not a description of any particular insurer's policy. Cover, eligibility, exclusions, limits and price vary between policies and between employers. Whatever you are considering, the terms that apply are the ones in the policy document, and the people who can confirm them are the provider or your broker.
| Alltoogether | How this page was written Supports: the boundary above and the decision to describe categories rather than any particular policy Published or updated: set 15 August 2026. Retrieved: 15 August 2026. Limitation: this row records the method, not a fact about any scheme. |
|---|
Each benefit explained the same way: what it is, what it can and cannot usually do, and what to ask before you buy, renew or communicate it. No insurer recommended and no policy terms invented.
Open the benefits hub →