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Voluntary Benefits

A richer benefits package.

Without a bigger budget.

Voluntary benefits give your employees extra financial protection on top of what you already provide. They choose what they want and pay for it through payroll, at group rates.

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Health, financial and personal

Three kinds of voluntary benefits

Why Employers Add Them

More protection

for your people.

Voluntary benefits have become a core part of the benefits package, and one of the most useful tools for attracting and keeping good employees.

01

Good people leave for a better package.

What voluntary benefits do

They widen what you offer, so your package holds up against larger employers.

02

A high deductible leaves employees exposed.

What voluntary benefits do

Accident, hospital and gap plans pay cash when something happens, which helps cover what the health plan does not.

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There is no room left in the budget.

What voluntary benefits do

Employees pay the premiums through payroll deduction, so the cost to your company is little or nothing.

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One package cannot fit everyone.

What voluntary benefits do

Each employee picks what fits their own life and skips what does not.

The Benefits

Three kinds of protection,

chosen by each employee.

Voluntary benefits fall into three groups: health, financial and personal. You decide which ones to offer.

01

Health

What if the health plan does not cover it all?

Accident

Pays cash after a covered injury, to use however the employee needs.

Critical Illness

A lump sum on diagnosis of a covered serious illness.

Hospital Indemnity

A set amount for a covered hospital stay.

Gap

Helps with deductibles and other out-of-pocket costs.

Dental & Vision

Routine care the health plan usually leaves out.

02

Financial

What if a paycheck stopped?

Life

Money for the family if an employee dies.

Disability

Replaces part of a paycheck when an employee cannot work.

03

Personal

What about everyday risks?

Identity Theft Protection

Monitoring and help restoring an identity after fraud.

Legal Plan

Access to an attorney for common legal matters.

How It Works

Simple for you,

clear for them.

We set it up, explain it to your employees and keep it running.

01

Choose

We help you pick the benefits that suit your workforce.

02

Explain

We meet with your employees at your workplace and walk through each option.

03

Enroll

Employees choose what they want, online or in person.

04

Deduct

Premiums come out of payroll, and we handle questions during the year.

Enrollment

A benefit only helps

if employees understand it.

Voluntary benefits are easy to offer and easy to ignore. We come to your workplace and explain each one in plain language, so your people choose with confidence.

Face-to-face meetings

We explain the options to your employees in person.

Online enrollment

Employees enroll through Employee Navigator.

Help after enrollment

Employees can reach us with questions all year.

Common Questions

Voluntary benefits,

answered.

Usually little or nothing. Employees pay the premiums through payroll deduction. You can choose to contribute, but you do not have to.

No. We help you choose the ones that fit your workforce, and you can add more later.

Many voluntary policies can go with the employee. It depends on the policy, and we tell you which ones before you choose.

Some carriers set a participation minimum. We tell you up front what applies to a group your size.

Your Next Step

Give your people more.

Keep your budget where it is.

Tell us about your workforce and we will suggest the voluntary benefits most likely to matter to them.

What we cover

Which benefits fit

Based on your workforce and what you offer now.

What employees would pay

Sample payroll deductions for each option.

How enrollment works

Meetings at your workplace and online sign-up.