Central to the group risk strategy is the member. These benefits – as part of an employer-or fund-owned policy – become an extension of the employee value proposition. The risk benefit offering must be aligned to the fund rules, employer policies and an integrated health strategy to not only support employees and their families at a particular event, but to ensure that early interventions are in place through the workplace. This approach will have a positive effect on the long-term claims experience, which will also have a positive effect on the pricing of these benefits. Most group risk benefits offer: