100%
Employee
Funded Benefits82%
Benefits
Are Essential86%
Supports
Financial Stability44%
Cannot Cover
Expenses9 in 10
Demand
Is Growing$1000
Unexpected
Medical Expense
Voluntary Benefits
Expand Coverage at No Added Cost to Your BusinessStrengthen employee protection with valuable benefits funded entirely by employees.
Voluntary benefits let employees cover unexpected costs through convenient payroll funded options, enriching your benefits package without adding to your expenses.
Zero employer costEasy payroll setupBoosts retentionRounds out your packageCoverage Options
Voluntary Benefits Plans for Employees
Flexible supplemental coverage that protects employees from unexpected costs while strengthening your overall benefits package.
Accident Coverage
Pays cash benefits after a covered accident, helping employees manage medical bills, recovery costs, and lost income when the unexpected happens.
Critical Illness Coverage
Pays a lump sum benefit after a major diagnosis, helping employees cover treatment, recovery, and everyday expenses during a serious health event.
Hospital Indemnity Coverage
Pays fixed cash benefits during a hospital stay, helping employees cover deductibles, copays, and everyday costs their medical plan does not.
Medical Gap Coverage
Helps offset out of pocket costs like deductibles and copays, easing the financial pressure of medical care. Employees get added financial support exactly when they need it, keeping unexpected bills more manageable.
Legal Coverage
Provides employees with affordable access to a network of attorneys for common legal matters, including estate planning, document review, and family law.
Pet Insurance
Helps employees manage unexpected veterinary costs, adding a modern, highly valued perk that sets your benefits package apart.
Coverage Breakdown
What Voluntary Benefits Cover
A clear look at how these plans protect employees across health, financial, and everyday needs.Voluntary benefits give employees added protection for life’s unexpected moments, from accidents and illness to legal matters and pet care, helping cover the costs their core benefits leave behind.
Covers unexpected expenses Fills gaps in core coverage Supports income and recovery Flexible, employee chosen option
Covers unexpected expenses Fills gaps in core coverage Supports income and recovery Flexible, employee chosen option
Covers Unexpected Medical ExpensesHelps With Daily Living CostsSupports Recovery And Income LossReduces Out Of Pocket Burden
No Cost Employer Advantage No added cost to your businessVoluntary benefits are fully funded by employees through payroll deductions, letting you expand coverage options without adding to your expenses or stretching your benefits budget.
Access to Group Rates Lower cost coverage for employeesEmployees gain group pricing they typically cannot get on their own, making supplemental coverage more affordable and boosting participation and satisfaction with their benefits.
Covers Financial Protection Gaps Helps cover unexpected expensesHelps employees manage deductibles, copays, and other costs traditional plans leave behind, easing financial strain during an accident, illness, or medical emergency.
Stronger Benefits Package Improve retention and recruitingRounds out your benefits offering so you can attract top talent, keep your best people, and show employees their wellbeing matters.
The Bigger Picture
Why Voluntary Benefits Matter
How supplemental coverage gives employees a stronger financial safety net, and your business a more complete benefits offering.Traditional insurance does not cover everything. Voluntary benefits close that gap, giving employees support for the out of pocket costs, recovery needs, and everyday expenses that core plans leave behind. The result is greater financial security for your team and a benefits package that stands out to current and future talent.
How it Works
How Voluntary Benefits Work
A simple process that lets employees enroll, pay through payroll, and receive financial support when the unexpected happens.
Easy Plan Enrollment
Employees select the voluntary coverage that best fits their needs and budget.
Simple Payroll Deduction
Premiums are deducted automatically from each paycheck, so employees keep their coverage with no manual payments and no added admin work for you.
Direct Benefit Payments
When a covered event occurs, benefits are paid directly to the employee, helping them handle medical bills, recovery costs, and everyday expenses without delay.
Why Businesses Choose Voluntary Benefits
A smarter way to strengthen your benefits package at no added cost to your business.
Expand Benefits at No Added Cost
Offer additional coverage options without affecting your budget or adding operational costs.
Voluntary benefits are fully funded by employees, letting you strengthen your benefits package without taking on added expense. It is an easy way to offer valuable coverage while keeping full control of your costs.
Attract and Retain Top Talent
A strong benefits package improves employee satisfaction, loyalty, and long-term retention.
Offering voluntary benefits shows employees you are invested in their wellbeing. That builds trust, deepens engagement, and helps your business stand out in a competitive hiring market.
Provide Financial Protection at No Employer Cost
Help employees stay financially secure when unexpected health or life events happen.
Voluntary benefits give employees added financial protection, helping them manage unexpected costs that standard insurance leaves behind. That eases stress and supports their long-term financial stability.Helpful Answers
Common Questions About Voluntary BenefitsClear answers to help you understand how voluntary benefits work for your team.
1. What are voluntary benefits?
Voluntary benefits are employee-paid insurance options offering additional financial protection beyond standard employer plans.
2. Do employers pay for this?
No, employees fund these benefits through payroll deductions without increasing employer costs at all.
3. How do employees enroll?
Employees enroll during onboarding or open enrollment, choosing plans based on personal needs.
4. When are benefits paid out?
Benefits are paid directly after a covered event to help manage expenses quickly.
Benefits Consultation
Talk to a Benefits AdvisorShare a few details about your business, and our team will follow up to discuss your benefits strategy.
"*" indicates required fields
Your information will never be shared. We will only use it to respond to your inquiry.
