Small Business Insurance Agency
Employee Paid - Voluntary Benefits
Employers face significant challenges in providing comprehensive employee benefits.
An area often overlooked by employers of all sizes are VOLUNTARY BENEFITS.
Voluntary Benefits enhance your employee benefits package without added cost.
Voluntary Benefits provide a variety of products and services to employers of all sizes.
If you'd like a quote, please send me an email including any concerns (waiting periods, deductibles, benefit maximums, exclusions & limits, etc.). A census form is available for your convenience.
Common voluntary benefits offered are:
Group Term Life insurance
Short and Long Term Disability insurance,
Dental insurance
Vision Plans for exams and eye wear.
Specified Illness insurance policies pay lump sum benefits for specified illnesses (ex. cancer, heart attacks, end stage renal failure, major organ transplants, etc.) listed by the policy.
Accident plans - pay lump sum for accident claims
Hospital Indemnity insurance plans assist meeting deductibles and co-insurance.
Pet Insurance
The Advantage for Employers:
The ability to address employee concerns for selected coverage and/or supplement current benefit offerings without incurring addition benefits costs.
The Advantage for Employees:
The ability to obtain benefits not included in the employer's core benefits often at group rates.
Simplified underwriting which offers easier acceptance for coverage.
Allows employees to supplement existing employer sponsored benefits coverage.
Some voluntary plans provide portability of coverage to allow employees to continue coverage even if they terminate employment; often at group rates.