Voluntary benefits are typically 100% employee-paid through payroll deduction. They let your people personalize protection—accident, critical illness, hospital indemnity, and more—while you expand the menu without adding employer premium.
Products vary by carrier and state. Below are categories employers often add alongside group medical to help with out-of-pocket exposure or non-medical risks.
Pays fixed benefits for covered injuries and related care—useful for active families or high-deductible medical setups.
Lump-sum benefits on diagnosis of covered conditions (e.g. cancer, heart attack) subject to policy terms—separate from medical claims.
Cash benefits tied to covered hospital stays or admissions—helps with deductibles and everyday bills.
Identity protection, legal plans, pet insurance, supplemental life, and more may be available depending on your platform.
Voluntary products are not a substitute for major medical. They pay according to separate certificates—with exclusions, waiting periods, and limitations. Our role is to help communications stay accurate so employees know what they’re buying.
We’ll help you pick carriers, participation goals, and education materials so elections make sense.