Employee Paid - Voluntary Benefits
Employers face significant challenges in providing comprehensive employee benefits.
- An area often overlooked by employers of all sizes are VOLUNTARY BENEFITS.
- Voluntary Benefits enhance your employee benefits package without added cost.
- Voluntary Benefits provide a variety of products and services to employers of all sizes.
If you'd like a quote, please send me an email including any concerns (waiting periods, deductibles, benefit maximums, exclusions & limits, etc.). A census form is available for your convenience.
Common voluntary benefits offered are:
- Group Term Life insurance
- Short and Long Term Disability insurance,
- Dental insurance
- Vision Plans for exams and eye wear.
- Specified Illness insurance policies pay lump sum benefits for specified illnesses (ex. cancer, heart attacks, end stage renal failure, major organ transplants, etc.) listed by the policy.
- Accident plans - pay lump sum for accident claims
- Hospital Indemnity insurance plans assist meeting deductibles and co-insurance.
- Pet Insurance
The Advantage for Employers:
- The ability to address employee concerns for selected coverage and/or supplement current benefit offerings without incurring addition benefits costs.
The Advantage for Employees:
- The ability to obtain benefits not included in the employer's core benefits often at group rates.
- Simplified underwriting which offers easier acceptance for coverage.
- Allows employees to supplement existing employer sponsored benefits coverage.
- Some voluntary plans provide portability of coverage to allow employees to continue coverage even if they terminate employment; often at group rates.