Employee Benefits

Voluntary Benefits Insurance, explained.

Accident, critical illness, hospital indemnity — cash-to-the-employee benefits at zero employer cost.

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What it is

Voluntary Benefits

Voluntary benefits are employee-paid policies offered through the workplace at group rates: accident insurance (cash for covered injuries), critical illness (lump sum on diagnoses like heart attack, stroke, or cancer), hospital indemnity (cash per hospital day or admission), plus modern options like identity theft protection, legal plans, and pet insurance. Claims pay cash directly to the employee — not the doctor — to use however they need.

High-deductible health plans have shifted thousands of dollars of exposure onto employees — voluntary benefits fill exactly that gap. A single ER visit or hospital stay can trigger cash that covers the deductible, the time off work, the childcare, the gas to the specialist. For the employer, they add real richness to the package at zero direct cost, and payroll deduction makes participation effortless.

Who needs it

Is this for you?

Employers on high-deductible health plans whose employees carry real out-of-pocket exposure

Companies wanting a richer package with zero added budget

Industries with higher injury exposure — trades, logistics, field work

Workforces with young families (accident coverage for kids’ sports injuries is a top seller)

Employers who want more choices at open enrollment

Businesses competing on total-package value, not just salary

What's typically covered

Inside a Voluntary Benefits policy.

Accident insurance — cash for fractures, ER visits, stitches, physical therapy

Critical illness — lump sum ($10K–$50K typical) on covered diagnoses

Hospital indemnity — cash per admission and per day hospitalized

Cancer-specific policies with treatment and travel benefits

Wellness benefit riders — cash back for annual checkups (often $50–$100/year)

Identity theft protection and legal plans

Pet insurance at group discounts

Guaranteed-issue enrollment — no medical questions at initial offering

Real-world claims

When this coverage pays off.

Kid breaks an arm at soccer

The accident policy pays cash for the ER visit, X-rays, cast, and follow-ups — covering the health plan deductible with money left over.

Critical illness lump sum

An employee diagnosed with cancer receives a $25,000 lump sum — it covers the deductible, travel to treatment, and months of tight cash flow.

Hospital stay cash

A three-day hospital admission triggers admission + daily benefits paid straight to the employee on top of medical coverage.

Common questions

Plain-language answers.

Does this cost the employer anything?

Typically nothing — voluntary benefits are 100% employee-paid through payroll deduction. Your cost is a little administrative setup, which we handle.

How are claims paid?

Cash, directly to the employee — not to the provider. They use it for deductibles, bills, groceries, childcare — whatever the situation demands.

Do employees need medical underwriting?

At the initial group offering, most products are guaranteed-issue — no health questions. That makes enrollment fast and inclusive.

Why offer these if I already have good medical?

Because deductibles and lost wages still land on employees. Voluntary benefits convert those gaps into covered events — and employees notice the difference at claim time.

Ready for a Voluntary Benefits quote?

Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.

Request a Quote Call (888) 650-1091