Are you a business? Hire community partnership candidates in New York, NY
Kiehl's has 1 part time skin pro position in our Nolita location and are looking for motivated and authentic skincare enthusiasts to join our team. In this role, you will be assisting customers in achieving their skincare goals by using our newest beauty technology to assess the health of their skin and recommend efficacious ingredients and products to address their concerns. Kiehl's Since 1851 was founded as an old-world apothecary in New York's Lower East Side neighborhood. From our earliest days, our staff has personalized every contact with a Kiehl's customer. Our fine formulations have always been made with the most unique natural ingredients found the world over. Today, we serve customers everywhere with skin and hair care formulas derived from the most unique natural ingredients. By combining tried-and-true methods with the latest innovations from around the world, we assure the high level of quality and efficacy our customers have come to expect from Kiehl's for more than 159 years. Job Responsibilities: Regular attendance and timeliness for all scheduled shifts Deliver a best in class experience to customers Assist Store Manager in achieving store sales goals in conjunction with reaching individual sales goals established by management team and act with agility to drive sales results Enforce company policies and procedures Perform open and close procedures for the store Assist in training to new store employees Effectively execute visual directives, education selling tools and customer service standards Utilize resources, eliminate roadblocks and drive process improvement Get to know your customers and build strong relationships that drive repeat business Build rewarding partnerships in the local community to drive sales and philanthropy Help the team keep store clean and stocked and the stock area organized Attend all training seminars Win with integrity and uphold our highest brand standards Provide elevated skincare services on customers Partner with store Leadership team and Regional Training and Education Executive on upskilling/training store team on skin physiology and service techniques For Estheticians: Provide expertise and feedback to Field Leadership to assist in development of future Esthetician services programming. Qualifications: Retail and/or cosmetic experience preferred (If esthetician) Currently licensed in esthetician services in state of practice Prior key holder experience preferred Customer service experience Communication skills Analytical skills Basic computer skills Must be willing to work flexible hours and to work nights, weekends and holidays High School Diploma or GED required Must be 18 years or older Physical Environment: Must be able to work on the sales floor for extended periods, walk up and down a flight of stairs and/or ladder as necessary, and lift up to 25 lbs. on a regular basis Bilingual preferred but not a must Must be vaccinated We are an Equal Opportunity Employer and take pride in a diverse environment. We do not discriminate in recruitment, hiring, training, promotion or other employment practices for reasons of race, color, religion, gender, sexual orientation, national origin, age, marital or veteran status, medical condition or disability, or any other legally protected status.
Title: Operations Manager Location: GiGi’s Playhouse NYC 106 W 117th Street New York, NY 10026 Hours: Full-Time; Tuesday-Saturday from 10am-6pm during all program semesters with the exception of summer, when you will work Monday-Friday from 9am-5pm; ability to work some nights as required. Salary: $65,000-$$70,000 annually; Benefits include health, dental and vision insurance as well as a retirement plan. GiGi’s Playhouse NYC is the only organization in New York City solely dedicated to the development of individuals with Down syndrome of all ages, from birth through adulthood and at every phase of life. We provide therapeutic, educational, social, and creative arts programs and events year-round, at no cost to participants or their families. We empower our diverse participants to be included in the greater community, to be their whole selves as they truly belong, and to make the world a better place. GiGi’s Playhouse NYC offers a supportive and nurturing environment that enables individuals, parents, expecting parents, and families to connect. With our migration to a more virtual world, GiGi’s Playhouse NYC is at the forefront of innovating and delivering online programs for our growing community, all while being completely funded by our generous donors. Our vision is to see a world where individuals with Down syndrome have a voice, and are accepted and embraced in their families, schools, and communities, to help improve the world and make it a better place to live, work and prosper. Job Summary: The Operations Manager is an organized, conscientious individual who manages all aspects of the Playhouse including bookkeeping and administrative tasks, database management, facilities management, managing and recruiting volunteers, communications, assisting with events and fundraisers, interfacing with families and our community, and supporting all fundraising efforts. Major Responsibilities Include: - Handle incoming revenue and issue acknowledgement letters including entry into Salesforce. This includes monthly reporting of all donations and ensures a tight process and timely response to donors for acknowledgement letters. - Supports Treasurer by providing receipts/ invoices, petty cash, inventory, and refunds along with proving a monthly donation report. - Database management of Salesforce, including ongoing database entry to update the mailing list, new families, volunteer and board hours, donor gifts, and proposal information. Ensure the data is entered accurately, and in a timely manner as close to real time as possible. - Run Salesforce reports as requested – understanding how the data is to be used so delivery format is useful. - Aid in community fundraising and events led by Board of Directors while coordinating with the National Organization to create registration and donation platforms. Work closely with volunteers and Playhouse Communications/ Marketing teams to support promotion of events to ensure events are publicized in all social media channels. - Aid BOD and Outreach Committee in the cultivation of community partnerships (i.e. local banks and restaurants). - Manage and oversee volunteer recruitment including (but not limited to) on-boarding, orientations, scheduling, training, retention, background checks and recognition of volunteers within the playhouse. Maintain volunteer data and information. Seek support for surrounding university for internship opportunities within the playhouse. - Maintain current and past photo archive. Ensure every playhouse event is photographed, and crowd sourced for images from each event. - Comply with the procedures and policies of the National Office including participating in calls and providing reports as requested. Disseminate information to the Board as required through the board secretary. - Attend Monthly Operations call with National Office. - Prepare monthly Impact Report to share at Board meeting and with the National Office. - Provide additional administrative support to the Board of Directors and volunteers as needed. - Respond timely and comprehensively to all email requests including the general mailbox from internal or external individuals. - Ensure New York City Playhouse Drive on the INC portal electronic filing structure is current and organized for ease of access and retrieval. - Supervise Programs Manager and Educator of Adult Programs. - Ensure the safety of our participants at all times. - Work with the Programs Manager and Educator of Adult Programs to ensure all programs meet the standard of excellence as defined by INC, are engaging and meet the needs of participants. Aid in surveys to assess the success of our program offerings and help with enhancements and improvements as needed. - Work with Programs Manager to source, schedule and organize quarterly lectures. - Work with Marketing and Communications committees to create, maintain and distribute marketing and communication materials, including monthly newsletters, promotional flyers, and others via a comprehensive marketing calendar. Ensure accuracy, proofing and timely distribution. - Create online content and update the website and social media accounts on a frequent and timely basis as per the guidelines from the Communications committee. - Administrative support such as answering the phones, responding to Playhouse emails, greeting visitors, maintaining the appearance of the Playhouse, ordering supplies, managing inventory (including computers, printers, appliances and repairs) and office organization including cleaning of bathrooms each day and cleaning materials used after programs. - Source and post blog content at least twice a month. Qualifications: - At least 5 years’ experience in social services, non-profit organization, and/or a related field. - Master’s degree preferred - Spanish-speaker preferred - Strong written and oral communication skills - Creative thinker and problem-solving skills - Proficient in Microsoft Office, database platforms, and social media - Exceptionally organized, with the ability to successfully multi-task with great attention to detail and meeting deadlines - Resourceful, creative, open-minded, and flexible - Ability to work collaboratively and professionally with key stakeholders - Strong Customer service skills and ability to build relationships with internal and external stakeholders - Disposition to interact directly with individuals with Down syndrome and their families, and a desire and willingness to learn about become a member the Down syndrome community All employees are expected to be committed to the mission and values of GiGi’s Playhouse NYC, communicate authentic sensitivity to and an understanding of the Down syndrome community, have a positive attitude, and possess a willingness and ability to thrive within a unique environment.
Responsibilities: Develop and Implement Marketing Plans: Create strategic marketing initiatives to effectively promote cable services to potential customers. Market Research: Conduct thorough market research to identify potential clients and territories for sales and marketing efforts. Client Relationship Management: Build and maintain strong negotiation and relationship skills with clients to foster long-term partnerships. Sales Strategies: Adapt to various sales methods, including door-to-door sales, event planning for company-sponsored activities, online marketing, and cold calling. Performance Tracking: Monitor and analyze sales performance metrics, adjusting strategies as necessary to achieve targets. Experience: Proven track record in sales and marketing, preferably within the telecommunications or cable industry. Market Knowledge: Strong understanding of cable services and market dynamics. Communication Skills: Excellent verbal and written communication and negotiation skills. Teamwork: Ability to work both independently and collaboratively within a team. Technical Proficiency: Familiarity with CRM software and marketing tools to enhance sales processes. What We Offer: Competitive Commission Structure: Attractive commission-based earnings to reward your sales efforts. Professional Development: Opportunities for ongoing training and growth within the company. Collaborative Environment: A dynamic workplace culture that encourages teamwork and innovation. Commission Bonuses: Additional bonuses for exceeding sales targets, recognizing your hard work and dedication. If you're passionate about sales and marketing in the telecommunications field and ready to make an impact, we’d love to hear from you!
City Girls Big Dreams is looking for an enthusiastic and creative Social Media Intern to join our dynamic team. This internship offers a unique opportunity to gain hands-on experience in social media management, content creation, and digital marketing while supporting our mission of empowering women to chase their biggest dreams. If you’re passionate about storytelling, social media, and uplifting women, we’d love to hear from you! Key Responsibilities: Assist in developing and implementing social media strategies across platforms such as Instagram, TikTok, Facebook, Twitter, and LinkedIn. Create engaging content including graphics, videos, stories, and captions that align with the City Girls Big Dreams brand and mission. Monitor social media channels, engage with the community, and respond to comments and messages. Help track social media metrics and analyze performance to improve engagement and reach. Research social media trends, hashtags, and content ideas to help grow our presence. Collaborate with the team on influencer partnerships, campaigns, and community-building initiatives. Attend virtual team meetings and brainstorm creative ways to amplify the City Girls Big Dreams message. Qualifications: Currently pursuing or recently completed a degree in Marketing, Communications, Digital Media, or a related field. Strong interest in social media platforms, content creation, and digital marketing. Experience with graphic design tools (e.g., Canva, Adobe Creative Suite) is a plus. Excellent written and verbal communication skills. Ability to multitask, stay organized, and meet deadlines in a fast-paced environment. Passion for women’s empowerment and alignment with City Girls Big Dreams values. Familiarity with social media analytics tools (e.g., Instagram Insights, Facebook Analytics) is a plus but not required. Benefits: Gain hands-on experience in social media management and digital marketing. Work closely with a mission-driven and creative team. Flexible work schedule with remote work opportunities. Opportunity to build your portfolio and enhance your professional skills. Potential for future employment based on performance and business needs.
About Us Harlem Grown’s mission is to inspire youth to live healthy and ambitious lives through mentorship and hands-on education in urban farming, sustainability, and nutrition. Harlem Grown operates 13 urban agricultural sites featuring 5 soil-based urban farms, 4 school gardens, 3 hydroponic greenhouses, and a mushroom chamber. All of our sites are located between 122 and 152 Streets in Central Harlem, Manhattan. Since 2021, our programming has served over 10,000 youth in Harlem, we've produced and distributed over 100,000 servings of food, and diverted over 50,000 pounds of food scraps into local compost operations. Our Programs Harlem Grown provides youth and community development programs focused on urban farming, wellness, and sustainability through the lens of racial justice, food justice, social justice, and equity. Our youth focused programs include intensive school partnerships, educational farm tours, a summer camp, a Saturday enrichment program, monthly community events, an afterschool program, and our Mobile Teaching Kitchen. Our community development programs open to all ages include wellness workshops, special events, food scrap collection for composting, and fresh produce distribution to participants, volunteers, and neighborhood residents. Job Overview Harlem Grown is seeking an outgoing and enthusiastic person to assist with the teaching of our educational programs for children ages birth to 18 and their families. The Educator plays a key role in implementing lesson plans in a variety of our community-based programming, including in-schools, after school, community events, and with our Mobile Teaching Kitchen. This person will connect with our community and partners to promote all our educational programming and will participate in the delivery and demonstration of programs alongside Harlem Grown staff. Responsibilities Prepare Youth for Success - Teach and/or co-teach engaging, age-appropriate programs for children and their families in our partner schools, on our farms, and at community-based organizations - Collaborate with the Education Program Manager and other Educators to plan and execute Saturday programming - Teach and/or co-teach Saturday programming for at our 134th and 127th Street Farms - Teach and/or co-teach in-school programming - Co-create affordable, accessible, and culturally responsive recipes to demo on our farms, on our mobile teaching kitchen, and at our partner schools/organizations - Develop project-based lessons/activities for students to engage in during programming - Lead educational farm tours for partner schools, non-partner schools, and community-based organizations Program Implementation - Collaborate with Harlem Grown program staff to deliver mobile teaching kitchen programs, including prep work before the programs, and clean up after the programs - Assist the mobile teaching kitchen staff to maintain the teaching kitchen’s physical upkeep - Drive truck from time to time to and from events at all our program sites - Promote the mobile teaching kitchen as an essential part of Harlem Grown’s programs, seeking out opportunities to bring it around the Harlem and New York City community, and working and liaising with our school/community partners to incorporate it into their events and programming - Represent Harlem Grown at community-based events - Serve as a role model for youth and reinforce Harlem Grown’s values of honesty, respect, and responsibility - Work as a team member to support Harlem Grown initiatives and programs - Other duties as assigned Basic Qualifications: HS Diploma 1-2 year’s experience working with children 1-2 years' experience working in an after school setting Strong organizational, planning, and leadership skills Ability to work independently and as part of a team Schedule: M-F 10am-6pm September-June; M-F 8am-4pm July-August; some night and weekend availability required. Compensation Range $25 - $25 USD At Harlem Grown, diversity, equity, and inclusion are at the heart of what we do. We are an equal opportunity employer, and are committed to creating a culture of inclusivity, where each individual feels as if their identity, experience, and values are represented and supported. We are dedicated to creating a space where children, especially those of color, are given the opportunity and skills to lead healthy and ambitious lives. We strongly believe in building a team that reflects and appreciates the underrepresented population of students, families, and people that we serve. Become a member of our family.
Teacher 2024 - 2025 About Tribeca Preparatory Tribeca Prep is a 12-month independent special education early childhood and elementary school. Our goal is to prepare our students for a less restrictive environment by developing their academic and social skills. Through our cohesive team of teachers, specialists and therapists, we offer our promising learners in grades PK-8, a rigorous, learner-centered, education with integrated support that fosters independence and self-advocacy. Head Teachers will provide academic instruction and social-emotional support to students in collaboration with our Director of Education and our related service providers. Our classrooms consist of six to eight students who have similar needs in the areas of communication, academic skills, and social emotional skills. The classroom includes a number of instructors based on the students’ needs. The head teacher is responsible for student assessments and creating, implementing and overseeing the delivery of an individualized program of instruction for each student. The Head Teacher is also responsible for working with instructors to ensure that students’ academic goals are met in a positive learning environment. Position Start Date: Immediate About the Position Qualifications: ● Bachelor’s/Master’s degree in elementary education, special education, Applied Behavior Analysis or a related field. ● Knowledge and skills in working with children with autism, ADHD and other developmental and learning disabilities. ● New York State certification in Special Education. ● New York State certification in Early Childhood Education Responsibilities: ● Plan and implement high-quality, engaging lessons that are differentiated to meet the learning needs of the students and adhere to the common core state standards. ● Regularly assess the students and the curriculum to adapt content and instruction as appropriate; communicate assessment results to parents. ● Create and maintain an orderly and aesthetic learning environment that accounts for students’ social, emotional, and executive functioning needs. ● Maintain accurate records and carefully managed portfolios of student work to illustrate and record progress and achievement. ● Empower students to take charge of their learning by providing all necessary scaffolding, modeling, materials, and resources, and consistently maintain a high level of expectation for student success. ● Communicate with parents and guardians to provide feedback on students academic and social-emotional progress through parent-teacher conferences, written reports, phone calls, and emails (daily emails/phone conferences may be required). ● Provide quarterly progress reports for all students. ● Attend all faculty meetings and required special events. Successful candidates for the position should possess the following qualities: ● Special Needs Experience: They should have prior experience working in special needs learning spaces. They should possess deep knowledge and passion for their area(s) of specialty within special education, allowing them to effectively cater to the diverse needs of the students. ● Creative Designers of Learning: They should be creative in designing learning experiences that engage students. They should leverage student interests, real-world problems, and professional tools/experts to create purposeful experiences that drive student learning. ● Excellent Communicators: They should excel in communication, actively listening, and asking probing questions. They should be able to engage with all members of the school community and strike a balance between candor and empathy. All staff understands the importance of data and report writing as this information is vital to each student’s growth. ● Community and Collaboration Focused: They should prioritize community and collaboration. Successful candidates recognize the value of divergent viewpoints and understand the importance of leveraging them for collective improvement and building positive relationships. Salary: Salaries are competitive and based on experience and training. Tribeca Prep offers a competitive benefits package, including (80%) employer-paid health insurance, dental/vision insurance options, 401k matching options, and ample professional development opportunities. To apply for this position please submit your resume. Please be advised that applicants will be subject to fingerprinting and a criminal record review pursuant to Article 43 of the New York City Health Code. AN EQUAL OPPORTUNITY EMPLOYER It is the policy of Tribeca Preparatory to provide equal employment opportunities without regard to actual or perceived race, color, religion, creed, ethnicity, national origin, alienage, citizenship status, age, marital status, partnership status, disability, sexual orientation, gender (sex), military status, unemployment status, caregiver status, consumer credit history, prior record of arrest or conviction (except as permitted by law), predisposing genetic characteristics, or status as a victim of domestic violence, sexual offenses and stalking, and to maintain an environment free of harassment on any of the above-noted grounds, including sexual harassment or retaliation.
Direct Support Professionals (DSP) Provide Safety & Support - Ensure health, safety and welfare of individuals - Safeguard and respect the confidentiality of the individuals and their families - Assist the individuals to develop and maintain relationships - Promote and protect the health, safety and emotional well-being of the individuals - Commit to person-centered supports and honor the personality, preferences, culture and strengths of the individuals - Work in partnership with others to support all individuals to lead self-directed lives - Implement and adhere to established treatment plans - Ability to communicate effectively - Transport individuals in agency vehicles as needed
Full job description Alzerina Jewelry is looking for someone to help with daily task at the HOME office Position Title: Personal Intern at Alzerina Jewelry Location: Home Office (Brooklyn, NY) About Us: Alzerina Jewelry is a dynamic and creative jewelry brand based in Brooklyn, NY. We’re passionate about crafting unique pieces that tell a story, and we’re looking for an equally passionate individual to join our team as a personal intern. Position Overview: We are seeking a motivated and enthusiastic intern to assist with a variety of tasks at our home office. This role offers a hands-on experience where you’ll work closely with Alzerina Gomes, the founder of Alzerina Jewelry. You will gain valuable insight into the daily operations of a growing jewelry business, from social media strategy to research and beyond. Key Responsibilities: Daily Operations: Assist with the day-to-day management of office tasks, including coordinating emails and managing schedules. Research: Conduct research on new sales strategies, social media trends, and potential influencer partnerships. Social Media Management: Contribute to the development of content and strategies for platforms like TikTok, YouTube, and Instagram. Communication: Manage professional communications, including drafting emails, making phone calls, and liaising with potential collaborators. Organization: Keep the office environment organized and ensure all tasks are completed on time. Qualifications: Office Skills: Strong organizational skills and proficiency in office software (e.g., Microsoft Office, Google Suite). Social Media Savvy: Familiarity with major social media platforms, especially TikTok, YouTube, and Instagram. Communication: Excellent written and verbal communication skills, with the ability to articulate ideas clearly and professionally. Independence: Ability to work independently with minimal supervision and manage multiple tasks simultaneously. Attitude: A positive, proactive approach with a willingness to learn and adapt. What We Offer: Practical Experience: Gain hands-on experience in a creative and entrepreneurial environment. School Credit: Internship can be used for school credit. Mentorship: Receive guidance and mentorship directly from Alzerina Gomes. Recommendations: A letter of recommendation upon successful completion of the internship. Perks: Breakfast, lunch Schedule: 8 hour shift Choose your own hours Day shift Holidays Monday to Friday Night shift
Job description We consider applications for this position on an ongoing basis. OVERVIEW Experience a perfect blend of deliberate purpose and clear-eyed vision. At Ulta Beauty, some of the industry’s most highly-esteemed beauty leaders share themselves, as well as their expertise. Building authentic community. Creating a real sense of belonging—even as they’re plotting a bold, strategic course of exciting innovations destined to revolutionize the industry. Think robust organizational support. Ever-increasing levels of investment. And a healthy dose of personal empowerment and growth opportunity. All with a company of unwavering strength and stability. We are the future of beauty services. Be part of the transformation. GENERAL SUMMARY & SCOPE The Stylist is responsible for engaging with guests, consulting with them on their hair care needs and recommending products and services. The Stylist delivers quality professional services with an emphasis on the guest’s total look. They support the Experience Manager (EM) and the Assistant Services Manager (ASM) through a focus on performance (service sales, and productivity), people (guest service), and process (operating procedures and compliance standards). This position requires a passion for the beauty industry, exceptional guest service, and the aptitude to learn and communicate product knowledge. PRINCIPAL DUTIES & RESPONSIBILITIES (*Essential Functions) The Stylist is a champion of Ulta Beauty’s mission, vision, and values, and should demonstrate them skillfully and consistently by performing the following duties and responsibilities of the position (as well as all other projects/duties as assigned): Performance • Perform hair services including hair design, haircuts, color, texture, hair treatments, styling, updos, perms, blowouts, keratin treatments, extensions, makeup applications, and ear piercing (where applicable). • Meet or exceed sales goal of $800 average weekly sales and productivity goals for hair services by delivering exceptional guest service and contribute to meeting or exceeding the store’s goals related to retail and service sales, guest loyalty (including credit), and retail shrink as set by Ulta Beauty. • Demonstrate business acumen with understanding of business drivers and identified opportunities for growth. • Perform product demonstrations with guests to drive sales and the guest service experience. • Support the execution of in-store events, promotions, and marketing-initiatives that deliver an unrivaled guest experience. • Take the initiative to stay informed regarding new and existing industry trends, products, and services during work time, and be knowledgeable about the ingredients and benefits of these trends, products, and services to better serve guests. • Maintain prompt, regular attendance. People • Develop guest relationships through consultations and appropriate retail and service recommendations. • Demonstrate high standards of customer service and salon image standards. • Serve all guests, including walk-in guests, in a timely and efficient manner. • Develop a partnership with skin therapists and the retail team to provide a total-store and well- rounded guest experience. • Establish professional peer and brand partner relationships that foster a shared interest in collaboratively delivering exceptional guest service. • Share the benefits of the guest loyalty program, including credit and the Ulta Beauty app, with guests in the salon and on the salesfloor. • Attend mandatory trainings and meetings to enable continuous professional development. Process • Be knowledgeable of and ensure compliance with Ulta Beauty policies, procedures, and standards. • Follow all safety, sanitation, and infection control procedures before, during, and after services; always ensure compliance with state board guidelines. • Follow established service protocols to ensure a consistent and exceptional guest experience. • Utilize appropriate booking and clientele systems to book guests for return services and for events. • Communicate any supply needs to the EM, ensuring guest readiness at all times. • Maintain outstanding store operational standards, including cleanliness of the salon, salesfloor, restrooms, backroom, break area, and any additional assigned area. • Adhere to the Ulta Beauty dress code. • Protect company assets by following loss prevention best practices and providing exceptional guest service. • Execute other operational tasks as directed. JOB QUALIFICATIONS Education • Cosmetology license Experience • Previous relevant salon experience is preferred. Skills • Proficiency with latest salon techniques for performing haircutting, haircolor, lightening, styling, texture, treatment, extensions, makeup, and ear piercing services (where applicable) and/or an aptitude to develop skills and capabilities in all service categories. • Proficiency with use of equipment and chemicals needed to perform technical work • Proficiency to demonstrate, recommend and sell pro hair care and makeup products • Developed communication skills • Ability to work independently and as part of a team • Ability to build and maintain strong customer relationships, and build clientele SPECIAL POSITION REQUIREMENTS • Work a flexible schedule to include days, evenings, weekends, and holidays WORKING CONDITIONS • Frequent mobility during shift • Continuous lifting and/or moving up to 10 lbs. during shift • Frequent stooping, kneeling, bending, reaching, twisting, and crouching during shift • Ability to stand for long periods of time during shift • Continuous and/or frequent coordination and manipulation of objects during shift If an associate has a disability that prevents them from performing an essential function of the job, the Company will engage in the interactive process with the associate to determine whether there is a reasonable accommodation that will enable the associate to perform the essential functions of the job. The pay range for this position is the higher of $15.00 - $22.90 / Hour or services pay for the workweek pursuant to the Company’s Services Compensation Plan. Exact pay will be based on factors including, but not limited to relevant education, qualifications, certifications, experience, level, shift, geographic location, and business and organizational needs. Full-time positions are eligible for paid time off, health, dental, vision, life, and disability benefits. Part-time positions are eligible for dental, vision, life, and disability benefits.