Supplemental and Voluntary Insurance

Even with a great health plan, unexpected expenses can add up. Supplemental (or voluntary) insurance provides extra protection to help cover what your primary insurance doesn't—giving you and your employees greater financial security and peace of mind.

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These plans are often paid for by the employee, but offered at group rates through the employer, making them affordable and accessible.

 

Common Types of Supplemental Insurance:

• Accident Insurance – Helps cover medical costs, lost income, or out-of-pocket expenses after an accidental injury.

• Critical Illness Insurance – Provides a lump sum payment if you're diagnosed with a serious condition like cancer, heart attack, or stroke.

• Hospital Indemnity – Pays cash benefits for hospital stays or surgeries, helping with deductibles and co-pays.

• Short-Term Disability – Replaces a portion of income if you're unable to work due to illness or injury.

• Life Insurance – Additional life coverage beyond what's included in your core benefits.

 

Why Offer Voluntary Benefits?

• Enhances your benefits package without increasing your company’s budget

• Gives employees more choices and financial protection

• Helps attract and retain top talent

 

Whether you're an individual looking for added peace of mind or an employer wanting to offer more value to your team, I can help you explore the right supplemental options for your situation.