It should, but that doesn't mean it does. It's going to be a reflection of your company's committment to employees.
Your absolute solution to this is to make a call to the company's insurance hotline or the equivalent and put forth a couple of very specific scenarios, asking them to put in writing what they would do. Keep that somewhere where you can always get it.
If you're interested, we should talk a bit (for free). I specialize in education and collaboration that includes the professional financial stuff done without the high cost. And I give customers the same professional tools that are usually limited to the yacht-owner crowd. Let me know!
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