Voluntary Employee Benefits
Voluntary employee benefits is the solution to your benefits equation.
Voluntary products help expand employee benefit offerings, and with cost-sharing becoming the standard, so is the expectation of more choices among employees at enrollment time.
Taking advantage of the power of voluntary benefits is easier than you think.
Interested in more information? Click here to connect to our Voluntary Benefits portal. You’ll get even more access to additional information there. You can also sign up directly on this page.
Help Your Employees Prepare for the Unexpected
With health care costs rising, it’s important to do everything you can to help your employees prepare for life’s sudden turns. While you want to do what’s best for your employees, you also have to consider costs and manage your budget.
Our accident insurance can help offset the unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.
With our accident insurance:
- Coverage can be employee-paid, so there’s no direct cost to you.
- We offer several coverage levels to fit all budgets.
- Your employees can choose to have stand-alone coverage, or they can select family coverage for their spouse and children.
- Accident insurance can provide your employees with benefits for initial care, surgery, transportation and lodging, and follow-up care.
- You can’t always prevent accidents from happening, but you can help provide financial protection in case they do.
Offset Medical Costs Your Insurance May Not Cover
If you have a hospital stay, it’s important to focus on your recovery – not your finances. That’s easier said than done when all you can think about are the costly co-payments, deductibles and other expenses that may be coming your way.
Hospital confinement indemnity insurance provides a lump-sum benefit to help offset the costs that aren’t covered by most major medical plans. With this added financial protection, you may be eligible for benefits to help you cover expenses associated with:
- Outpatient surgery
- Diagnostic tests
- Doctor appointments
- Emergency room tips
If you take the right steps, a hospital stay doesn’t have to impact your finances.
Critical Illness Coverage Keeps You Financially Prepared
A serious illness can have a huge impact on more than just your health – it can also hurt your finances. Would you have the money to protect all you’ve worked for if you were to have a heart attack, stroke or other critical illness?
Critical illness insurance complements your major medical coverage by providing a lump-sum benefit if you’re diagnosed with a covered critical illness, such as:
- Heart attack (myocardial infarction)
- End stage renal failure
- Coronary artery bypass surgery
- Major organ transplant
You can use this benefit to help cover everyday living expenses or other costs related to your critical illness such as home modifications, travel expenses and rehabilitation charges. You may receive additional benefits if you’re diagnosed with more than one critical illness.
When Cancer Strikes, Employees Should Focus on Recovery
More than likely, you and your employees have friends and family members who have been affected by cancer, so you understand the financial impact this disease can have. In addition to rising treatment costs, there can be numerous other expenses to consider.
Cancer Insurance, you can help your employees offset the out-of-pocket medical expenses and indirect, non-medical costs related to cancer that most medical plans don’t cover. Benefits are available from initial diagnosis through recovery and can be used to help with:
- Loss of income
- Child care
- Lodging and meals
- Deductibles and co-pays
Our cancer coverage also provides a benefit for specified cancer-screening tests, which can help your employees proactively monitor their health.