Skip to main content
Employee Benefits coverage

Voluntary Benefits

Voluntary benefits let employees buy coverage they choose — like accident, critical illness, or supplemental life — at discounted group rates, with premiums coming straight out of their paychecks. Because staff pay the cost themselves, you broaden your benefits package and stay competitive in hiring without adding to your own budget.

Discuss Voluntary Benefits Schedule Consultation

Who this coverage is for

This is for employers who want to expand their benefits menu without adding much cost to the business. It fits companies that want to give employees more choices, since employees typically pay for these benefits themselves through payroll.

What it can help protect

Voluntary benefits are extra coverages employees can choose and usually pay for on their own, often at discounted group rates. Here is what they commonly support:

  • More choice — employees pick the coverages that matter to them, such as accident or critical illness insurance.
  • Low employer cost — because employees fund these benefits, they add value to your package with little expense to the business.
  • Gap coverage — options like accident or hospital indemnity plans help with out-of-pocket costs a health plan may not fully cover.
  • Convenience — premiums come straight out of payroll, so employees do not have to manage separate bills.
  • Group pricing — employees often pay less than they would buying the same coverage individually.
Regularly misunderstood coverages Explore all coverage comparisons

Key choices and underwriting factors

A licensed review will usually focus on employee population and budget realities, enrollment timing and communication needs, and best-fit products by workforce profile.

Common Questions