What Voluntary Benefits Do

There are many different types of Voluntary Benefits coverage:

Accident Coverage:

Accident insurance provides lump-sum indemnity benefits for accidents. Employees can choose coverage for on- and off-the-job or off-the-job-only accidents. Employees have a choice of family coverage or stand-alone coverage for themselves, their spouse or dependent children. Features include the same benefits for employee, spouse and dependent children, worldwide coverage and portability.

Cancer and Critical Illness Coverage:

Medical advances have resulted in increased survival rates for many diseases. But with these advances come increased health care costs. Lengthy, expensive recovery periods can mean the loss of personal wages and an employee’s ability to pay for care and treatment. Even with the most generous employer-provided medical and disability insurance plans, workers need additional resources to help meet their financial needs.

Critical Illness Insurance plans that complement major medical coverage by helping employees pay the direct and indirect costs associated with a specified critical illness.

Disabilty Coverage:

For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs. Disability coverage can help pay those costs.

Life Insurance Coverage:

Employees need personal life insurance coverage.

Limited Benefit Medical Plan:

Benefits to help cover services such as doctor visits, preventive care, pharmacy, hospital confinement and surgery.

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