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Voluntary Benefits
Want richer benefits without raising your costs?
Give your team more choice. Your budget stays put.
Voluntary benefits are employee-paid coverage at group rates. You offer a more competitive package, your people choose the protection that fits their lives, and your costs don’t change.
Real Result · Professional Services, Orlando
40 → 110
employees, with a competitive package that helped them hire faster, and higher voluntary benefit participation.
Customizable voluntary options helped a growing firm compete with much larger employers for talent.
Sound Familiar?
Good benefits,
still leaving gaps.
Your core plan covers the basics. Voluntary benefits cover what’s left, without adding to your bottom line.
The problem
Candidates say your benefits aren't competitive.
How we fix it
Layer in voluntary options that round out your package at little or no added cost to you.
The problem
A high deductible leaves employees exposed.
How we fix it
Gap, accident and hospital indemnity plans that help cover out-of-pocket costs when something happens.
The problem
One-size-fits-all benefits don't fit anyone.
How we fix it
A menu of options so each employee picks the coverage that fits their family and stage of life.
The problem
Enrollment is confusing, so participation stays low.
How we fix it
Clear communication and enrollment support, so employees understand their options and actually use them.
Built Around Real Needs
Coverage for the moments
your health plan doesn't.
We don’t hand employees a product list. We build a menu around the situations they actually worry about.
If they can't work
Protect their income
A paycheck that keeps coming during an illness or injury, and security for the people who depend on them.
- Disability
- Life
- Critical Illness
When something happens
Cover the gaps
Cash benefits that help with deductibles, hospital stays and the bills a health plan leaves behind.
- Accident
- Hospital Indemnity
- Gap
Every day
Everyday extras
The benefits employees use all year and appreciate most, at rates they couldn’t get on their own.
- Dental & Vision
- Legal Plan
- Identity Theft Protection
Down the road
Plan ahead
Help paying for extended care, so a long-term need doesn’t drain a family’s savings.
- Long-Term Care
Why It Works
A win for your business.
A win for your people.
For you
A stronger package, same budget.
- Little or no added employer cost
- A more competitive offer for recruiting
- Better retention and employee appreciation
- Simple payroll deduction, handled for you
For your employees
More choice, better value.
- Group rates on coverage they choose
- Only pay for what they actually need
- Protection for the gaps their health plan leaves
- Easy enrollment with help when they need it
FAQs
Voluntary benefits
questions, answered.
Do voluntary benefits cost the employer anything?
Usually little or nothing. Employees pay their own premiums through payroll deduction. Some employers choose to contribute toward certain coverage, and we’ll help you decide what makes sense.
Why would employees buy coverage through work?
Group rates, the convenience of payroll deduction, and in many cases simpler enrollment than buying a policy on their own.
What is gap insurance?
Gap coverage pays a benefit toward the deductible and out-of-pocket costs a health plan leaves behind. It pairs well with high-deductible plans.
How do you get employees to actually enroll?
Clear, simple communication materials and hands-on enrollment support, including virtual sessions, so employees understand what’s available and why it matters.
Keep Exploring
Related solutions
that work with your plan.
01 · Group Health & Plan Design
Claims analytics and benchmarking that shape a plan around your workforce and budget.
02 · Cost Containment
Level-funded, self-funded and captive strategies that stabilize costs over the long term.
06 · Plan Support & Wellness
Year-round advocacy and wellness programs that support a healthier workforce.
Stand Out Without Spending More
Build a package your team
will actually use.
We’ll review your current benefits for free and show you which voluntary options would add the most value for your people.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.