Voluntary & supplemental benefits
Voluntary and supplemental benefits fill the gaps around your core medical, dental, vision and life plans. Many can be offered at little or no cost to the business, with employees choosing what they need.
Coverage we can add to your package
- Critical illness: a lump-sum payment if an employee is diagnosed with a covered illness such as cancer, heart attack or stroke.
- Accident: helps with costs after a covered injury, from emergency room visits to follow-up care.
- Hospital indemnity: pays a set benefit for covered hospital stays, which can help with deductibles and out-of-pocket costs.
- Telemedicine: on-demand access to doctors by phone or video.
- Employee assistance programs (EAP): confidential counseling and support for personal, family and work concerns.
- Long-term care: help paying for extended care services if an employee can no longer perform everyday activities on their own.
Employer-paid or employee-paid
These benefits can be paid by the employer, shared, or offered on a voluntary basis so employees pay through payroll deduction at group rates. We will help you choose options that fit your budget and your team.
Common questions
Do voluntary benefits cost the employer anything?
Not necessarily. Many voluntary benefits are paid entirely by employees through payroll deduction, so you can expand your benefits package with little or no added cost. Some employers choose to contribute.
Are these benefits a replacement for medical insurance?
No. They are designed to work alongside a group medical plan, helping with costs that medical insurance does not fully cover.
More answers in Health Insurance Defined and our glossary.
Related services
Group medical insurance
Offering health insurance helps you attract and keep good employees.
Group disability insurance
Disability insurance replaces part of an employee's income if an illness or injury keeps them from working.
Employee education and claim support
Benefits only add value when employees understand and use them.