Disasters—whether natural, economic, or health-related—bring more than just physical and emotional stress. They often trigger significant financial strain that can disrupt lives just as deeply. For many employees, the combination of unexpected medical bills, job instability, and emergency expenses creates a heavy burden that impacts both their well-being and productivity. During these times, a third-party benefit administrator (TPA) plays a vital role in supporting participants, helping them navigate complex benefits, access critical resources, and reduce financial uncertainty when it matters most.