Health Insurance

From maximizing your benefits to minimizing your costs, we work side-by-side with you to make sure you understand your options and get the coverage you need.

Learn More

What are Voluntary Benefits?

Voluntary benefits, often referred to as supplemental benefits, are designed to help employees manage expenses that aren't fully covered by their primary insurance provider. These benefits can support a wide variety of financial needs—from covering medical costs not included in traditional plans to helping with everyday expenses like rent, transportation, and lost income due to time away from work. Popular offerings include disability, accident, and hospital indemnity plans, which are typically paid out directly to the employee, giving them the flexibility to use the funds where they’re needed most.

One of the key advantages of voluntary benefits is their adaptability. Employers can tailor benefit options to align with their workforce’s specific needs, considering factors like job type, age group, geographic location, and lifestyle.

These benefits can be funded in different ways:

Entirely by the employee
Shared between the employee and employer

Why Employers Should Offer Voluntary Benefits

A Smart Move That Won’t Break the Bank

Competing for talent today is like competing on Amazon—if you don’t stand out, you get skipped.
Salary alone doesn’t cut it anymore.
Employees want meaningful benefits that fit their lives, without draining the company budget.
That’s where voluntary benefits shine.

1. Enhance Recruitment & Retention

Think of it this way: a paycheck gets people in the door, but benefits keep them from walking back out
Employees who feel cared for stay longer. (And let’s face it—finding, hiring, and training replacements is not anyone’s hobby.)

2. High Value, Low Cost

These benefits are employee-paid via payroll deduction. Translation: we look generous without spending like a Fortune 500.
Basically, we get to say “look at all these perks!”—while employees cover the tab.

3. Meet the Needs of a Diverse Workforce

Younger employees: “Do you cover my dog’s vet bill?”
Mid-career folks: “What if I break a leg skiing?”
Seasoned employees: “Long-term care sounds useful… also, where’s the coffee?”
Everyone gets something that matters to them, which makes us look thoughtful and modern.

4. Reduce Stress, Boost Productivity

Financial stress is a huge productivity killer. (Ever tried answering emails while panicking about a surprise hospital bill? Not pretty.)
With supplemental health options, employees can focus on their work instead of Googling “how to sell a kidney legally.”

5. Strengthen Our Employer Brand

A rich, flexible benefits package says: “We’re a company that cares about you, not just your output.”
That message boosts loyalty, morale, and reputation—plus it sounds great at networking events.

Types of Benefits

Life

Life insurance pays out a lump sum to help provide financial protection for an employee’s family members in the event of the employee’s death. Coverage can be updated to reflect changes in life such as getting married, buying a home or having a child. Most plans offer spouse and child coverage, as well. There are two types of life insurance, term life and whole life.

Term life: Provides financial protection for employees for their high-demand working years, typically in 10-,20- or 30-year terms
Whole life: Provides financial protection for employees during their working and retirement years with permanent coverage at rates that remain consistent for life. Often includes cash value

Disability

Disability insurance replaces a percentage of an employee’s income if they become disabled as a result of a covered injury or sickness, to help them continue to pay their bills while they’re out of work. Generally, length of disability coverage can vary from 3–12 months (for short term disability) to 1 or more years (for longterm disability).

Accident

Accident insurance plans can help offset the unexpected medical expenses that may result from a covered accidental injury. Typically, they cover some of the costs related to initial care, surgery, transportation and lodging, as well as follow-up care.

Cancer

Cancer insurance offers benefits to assist with out-of-pocket costs for a cancer diagnosis that may not be covered by major medical. Coverage includes expenses related to inpatient or outpatient treatment, surgery, travel and recovery care. Some plans may also cover annual cancer screenings to promote prevention and early diagnosis.

Critical Illness

Critical illness insurance provides a benefit for an employee diagnosed with a covered critical illness, such as heart attack, stroke, coronary artery bypass surgery, end-stage renal failure or major organ transplant - among others. Some plans have supplemental benefits that cover multiple infectious diseases, including COVID-19. A lump-sum benefit is typically paid directly to the employee to cover costs related to their illness.

Hospital Indemnity

Hospital indemnity insurance, also known as hospital confinement, provides a lump-sum benefit to help with out-of-pocket costs related to a hospital stay. This may include outpatient surgery, diagnostic tests, doctor’s appointments and emergency room visits.

Dental

Dental insurance can provide benefits for both routine and more expensive dental procedures that are not covered by most health insurance plans. They typically include cleaning, fillings, sealants, tooth removal, crowns and dentures — and may also provide benefits for regular dental appointments.

Vision

Regular eye exams help maintain healthy vision and are the first line of defense in detecting more serious conditions, such as glaucoma, high blood pressure and diabetes. Vision insurance typically helps pay for eye exams, glasses and contact lenses. They may also offer discounts on treatments such as laser eye surgery or eye-care accessories.

550 Pinetown Road, Suite #208 Fort Washington, PA 19034.