There’s a moment many HR managers and business owners will recognise. The renewal meeting comes around, absence figures are up, stress and mental health are cited as the main drivers, and the conversation ends with “let’s make sure we’re reminding people about the Employee Assistance Programme (EAP).” Twelve months later, the same thing happens again.
This World Mental Health Day, we’d like to suggest the problem isn’t a lack of support. It’s that nobody knows it’s there.
The Support Is Already In Place
Many group insurance policies come with additional services that are included at no extra cost, and employees don’t have to make a claim to access them. They’re designed to help people before things reach crisis point. Exactly what’s included varies by insurer, but the most common services include:
- Counselling.
Group Income Protection often includes counselling for new or existing mental health issues, and some providers extend it to family members. Some insurers offer it by phone, while others cover a number of face-to-face or CBT sessions.
- Bereavement support and probate help.
Group Life policies can include grief counselling for the families of an employee who has died, along with practical help with registering the death, closing accounts and managing the estate.
- 24/7 advice helplines.
These can usually be used as often as needed, covering everything from basic mental health support to financial advice and help with caring responsibilities.
- Virtual GP.
Virtual GP services provide appointments via an app or helpline, often available the same day. These services frequently offer extended hours and online prescriptions, making it easier for employees to access support early.
- Rehabilitation services.
Many Income Protection schemes help employees manage a health condition at work, or return after absence.
- Second medical opinion services.
Second medical opinion services allow someone to get an independent review of their diagnosis and treatment plan by a leading medical specialist or global expert, offering reassurance, recommending alternative treatments, or providing clarity on conflicting diagnoses.
- EAP.
Employee assistance programmes (EAPs). Many group policies include an employee assistance programme: a phone and online service offering counselling and practical advice on issues at work or at home. Employees can usually contact it directly, without going through their manager or HR, and conversations are confidential, except in rare cases such as a serious risk of harm.
The need is real. Mind reports that 1 in 4 people will experience a mental health problem each year, and our own research found that 90% of employees experience workplace stress in some form, with 80% saying it affects their performance.
And Yet, Hardly Anyone Uses It
Our 2025 Employee Benefits and Workplace Satisfaction Survey found that 67% of UK employees don’t know about, or don’t use, these additional services. Of those who were aware of the benefits but hadn’t used them, 39% said they had forgotten, didn’t realise they had them or didn’t know how to access them. (Read the full findings.)
Part of the reason is communication. Only 11% of employees say they receive regular updates about their benefits, while 25% say they never do and 22% hear about them only when they join. A mention at onboarding and a line in the handbook isn’t enough, and people typically need to hear a message several times before they act on it.
There’s a business cost too. 53% of employees are open to changing jobs in the next 12 months, and 32% say they’d leave for better benefits. Some of them may already have what they’re looking for. They just haven’t been told.
Culture Decides Whether It Gets Used
We recently spoke to Debbie Kleiner, Director of Wellbeing in Work and a Mental Health First Aid England instructor. She spent years advising employers on health and protection benefits before moving into wellbeing, and she emphasises that benefits only work when managers are equipped and aware of what is available.
Her point is that managers are the front door to every benefit. If they haven’t been trained to ask how people are really feeling, or to point them towards support, even the best service will sit unused. As she puts it:
She also raises something many employers don’t realise: they have a legal duty of care around workplace stress. Under the Management of Health and Safety at Work Regulations 1999, employers must assess and control risks to health at work, including stress, and the Health and Safety Executive offers free online learning to help them do it. When Debbie posted about this on LinkedIn, the reaction was almost universally “we don’t do that either.”
Three Things Employers Can Do This Week
- Find out what you already have
Ask your insurer or broker for a full list of the additional services on every policy, and how employees access each one.
- Say it more than once
Put a short reminder in your next team briefing, intranet post or one-to-one, and keep doing it throughout the year. Real examples help, such as someone who used the Virtual GP and got seen the same day. Our guide on how to communicate employee benefits to staff is a good place to start.
- Equip your managers
Make sure they know what’s available and feel confident raising it, so that checking in becomes part of the job rather than an awkward extra.
Good mental health support isn’t always about buying something new. Sometimes it’s about making sure people know what they already have.
If you’d like help finding out what’s included in your current benefits, or building a plan to get them used, our specialists are happy to talk it through. Call us on 0208 432 7333 or email help@drewberry.co.uk.