Voluntary Benefits

Many employers provide employees with insurance protection for medical and phamacy.  Some employers may add dental, vision or alternative care benefits.  There are some employers that also provide short term disability, long term disability, life insurance, long term care, retirement plans and more.  There are still many people that do not have protection they need for lost wages due to injury or illness, medical bills and living expenses, COBRA premiums and much more.

Many of these losses can easily covered with voluntary benefit programs.  The voluntary market is an affordable way people to get cash in the event they are off work from injury or illness, insurance deductibles, and many other expenses related to illness or time off the job.  

• AFLAC (American Family Life Assurance Company)

Voluntary Products with benefits paid in cash directly to the policyholder:

• Hospital indemnity plan; this program provides a daily cash benefit or a lump sum up to $5,000 directly to the policyholder.  With health insurance deductibles now increasing for some up to $7,500, this cash can help for hospitalization expenses
• Short-Term Disability;  
• Cancer plans;
• Accident plans;

Please contact us if you have questions or need help with voluntary plans.