Voluntary
Benefits
Voluntary Benefits
Sometimes called “supplemental insurance,” these often employee-paid benefits can stand alone or fill gaps in major medical and other insurance coverage. Paid directly to the employee, they help personalize benefits packages to fit individual needs. Employees use them for co-pays or co-insurance, travel expenses, household bills or replacing lost wages or savings.
Insurances Offered
Accident Insurance
Helps to offset unexpected medical expenses, such as emergency room fees, deductibles, and co-payments, that result from any covered accidental injury. Available in both Individual and group contracts.
Cancer Insurance
Helps to offset out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans do not cover. Also provides coverage for specified cancer screening tests. Available in both Individual and group contracts.
Critical Illness Insurance
Complements your major medical coverage by providing a lump-sum benefit that you can use to pay direct and indirect costs related to a covered critical illness. Available in both individual and group contracts.
Hospital Confinement Insurance
Helps to pay for deductibles and co-pays that result from a hospital confinement. Provides a lump-sum benefit for a covered hospital confinement, a covered outpatient surgery and even doctors’ office visits. Available in both individual and group contracts.
Life Insurance
Enables you and your employees to tailor coverage for your individual needs while providing financial security for family members. Available in classic Group Term Life, Individual Term Life, and Individual Whole Life with a Long-Term Care rider.
Short-Term Disability Insurance
Replaces a portion of your income to help make ends meet if you become disabled from a covered accident or sickness. Available in both Individual and group contracts.
Dental Insurance
Helps your employees and their families with preventive, basic and major dental services. Our dental plan covers a wide range of treatments, from routine cleanings to root canals, and pays benefits based on a defined co-insurance percentage. Employees have the freedom to choose any dentist but can reduce out-of-pocket costs by seeing an in-network provider. Five plan designs for family coverage ensure that employees have the flexibility to choose coverage that best fits their needs.
