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 benefit packages to fit individual needs.. Employees use them for co-pays or co-insurance, travel expenses, household bills or replacing lost wages or savings.
Lines of Coverage Offered
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.
Vision Insurance
Eye health care examinations are often overlooked – especially by those who do not require prescription assistance, but vision health is more important than people realize. Serious medical conditions can also be found during a routine eye examination – such as diabetes, glaucoma, high cholesterol and high blood pressure.
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.
Long-Term Disability Insurance
LTD provides financial benefits to an employee who is unable to work for a long period due to an accident, illness, or injury. This type of insurance coverage provides the employee with a portion of their income while they’re absent from work.
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.
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.
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.
Voluntary Benefit Solutions
Our comprehensive group and individual product portfolios give you flexibility to meet your clients’ unique needs. Often employee-paid, voluntary benefits supplement core benefit offerings allowing employees to use claim proceeds to help offset their financial exposure on things like deductibles, lost income, home modifications and day to day expenses. They enhance a company’s insurance offerings and help employees prepare for life’s unexpected challenges.