Voluntary benefits your employees choose and pay for
Give employees the coverage options they want at no cost to your company. Voluntary benefits fill the gaps left by major medical, paying cash directly to employees when they need it.
Benefits that pay cash when it counts
Even with good health insurance, employees face out-of-pocket costs that can strain their finances. Voluntary benefits pay cash directly to employees — not to doctors or hospitals — so they can cover deductibles, bills or whatever they need during a difficult stretch.
Voluntary benefits are fully employee-paid through payroll deduction, so you strengthen your benefits package without adding to your budget.
Options employees can choose for their situation
Accident insurance
Lump-sum cash benefits for covered accidents — broken bones, dislocations, ER visits, ambulance rides and more. The money can be used however the employee needs.
Critical illness
A lump sum on diagnosis of covered conditions such as heart attack, stroke, cancer or organ failure, for support during treatment and recovery.
Hospital indemnity
Daily or per-admission benefits for hospital stays, to help with deductibles, coinsurance and expenses while unable to work.
Cancer insurance
Benefits at each stage of cancer diagnosis and treatment — screening, diagnosis, surgery, chemotherapy and radiation.
Identity theft protection
Monitors credit and personal information, alerts employees to potential fraud, and provides recovery services if an identity is compromised.
Legal services
Access to attorneys for common legal needs such as wills, real estate, family law and traffic tickets, usually with unlimited consultations for covered matters.
How voluntary benefits help after a claim
Three examples of the financial relief voluntary benefits can provide.
An employee slips on ice and breaks her ankle
Accident insurance paid benefits for the fracture, ER visit, crutches, follow-up visits and physical therapy. She used the cash to cover her $3,000 deductible and lost wages.
Simple enrollment, automatic deductions, fast claims
Choose coverage
Employees select the voluntary benefits that fit their needs during open enrollment or as new hires.
Payroll deduction
Premiums come out of each paycheck automatically, often pre-tax, which saves employees money.
File a claim
When a covered event happens, the employee files a simple claim with documentation from their provider.
Get paid
Benefits are paid directly to the employee, usually within 48 hours, to use however they need.
Value for employers and employees
For employers
- No cost to the company — fully employee-paid
- Attract and retain talent with richer benefits
- Minimal administrative burden
- Section 125 pre-tax savings for employees
- Complements high-deductible health plans
For employees
- Cash paid directly to you, to use any way
- Affordable group rates through payroll
- Help with deductibles, bills and lost income
- Portable if you leave
- Guaranteed issue — no medical questions at enrollment
A stronger benefits package without budget impact
Attract talent
A comprehensive benefits package helps you compete for candidates in a tight labor market.
Retain employees
Employees value the financial security voluntary benefits provide and are less likely to leave.
No employer cost
Fully employee-paid, so you improve your offering without a budget increase.
Employee wellbeing
Reduce financial stress and support employees' long-term financial security.
Established voluntary benefit carriers
We work with established voluntary benefit providers known for prompt claims and service. As a broker, we compare plans across those carriers for competitive group rates and a smooth enrollment for your employees.
Common questions about voluntary benefits
How much do voluntary benefits cost?
Do employees need a medical exam?
Can employees keep coverage if they leave?
How do voluntary benefits work with HSAs?
Ready to enhance your benefits package?
We'll show you how voluntary benefits can give employees more choices at no cost to your company.
Benefit descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Examples, costs and dollar figures are illustrative, not representations about any plan or employee. Benefits, eligibility, tax treatment and portability are governed by the terms, conditions and exclusions of the plans issued and are subject to underwriting.