Voluntary & Supplemental Benefits

Group dental plans help pay a percentage of associated costs which often cover cleanings, x-rays, and minor services like fillings.  Depending on your plan of choice it may also include coverage for major dental services such as root canals, crowns, implants, and dentures.

Employees cite dental insurance as the third most important benefit in making a job decision and nearly 60% of employees participate in benefits programs if dental is part of the program.

Regular medical health insurance protects you from unexpected costs for eye injury or disease. In contrast, vision insurance provides an added wellness benefit for healthy eye exams, which includes routine eye care, prescription eyewear and contact lenses, and other vision services at a reduced cost.

There are a variety of Disability insurance plans to help employees cover the loss of income due to an illness, injury, or even maternity. The 2 most common are Short-Term & Long-Term plans. Short-Term plans generally will pay benefits for 90 days while Long-Term plans can stretch a benefit period up to 2 years.

These plans provide tax-free cash benefits directly to employees which typically cover as much as 60% of their regular income.

The purpose of group life insurance is to provide financial support to the family of an employee or member who dies while part of a company or organization.

Often the coverage is created to handle final expense arrangements which makes the plan more affordable than expected for Employers to cover the cost of this insurance, though employees can choose to opt in or out of coverage.  Group insurance coverage is not portable and is therefore lost for an individual when they separate from the company. 

Term, permanent, and whole life plans are popular offerings of a benefit program which are commonly funded by the employee only through payroll deduction and are portable if the person separates from the company.

Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes physician treatment, radiology tests, physical therapy, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.

Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover.

More people are surviving life threatening illnesses than ever before. Critical Illness insurance is designed to help pay your health insurance deductible and other out-of-pocket expenses of treating and recovering from serious illness such as cancer, heart attack, stroke, and more.

Not every cancer diagnosis is the same, which means treatments and procedures vary across the board. Supplemental cancer insurance benefits are designed to help cover expenses that traditional insurance may not cover.