Voluntary Benefits
Voluntary Benefits
Protection your employees
choose for themselves
You offer it.
They pick what fits their life.
Everyone gets something out of it.
Optional.
Employee-paid.
Real protection.
What Voluntary Benefits Actually Are
Voluntary benefits pay a cash benefit directly to the employee, not to a medical provider.
That is the real difference between this and Medical Balance Protection™,
which pays the provider for what group health does not cover.
Voluntary benefits step in for the employee's own life, a diagnosis, an accident,
time away from work, cash that goes wherever it is actually needed.
Employees with voluntary benefits can cover a $1,000 emergency at nearly
double the rate of employees without, 59 percent versus 32 percent (Aflac).
Employees choose which coverages fit their life and pay for them through payroll deduction,
often at group rates lower than buying the same coverage on their own.
42 percent of employees who leave a job say
better benefits could have kept them there (EBRI).
Six Ways To Protect Your Team
Routine and preventive care, covered
Eye exams, glasses, and contacts
Cash when an accident leads to the ER, surgery, or recovery
Cash for each day of a covered hospital stay
A cash lump sum for cancer, heart attack, or stroke
Replaces a portion of income when an employee cannot work
Why It Matters
9 in 10 small business employees want voluntary benefit options (Aflac).
73 percent of employees say benefits matter as much as, or more than, salary (Selerix).
Employees satisfied with their benefits are 3.5 times more likely to trust leadership. (EBRI)
FAQ
Q: What are voluntary benefits?
A: Optional coverage employees choose and typically pay for through payroll deduction, paying a cash benefit directly to the employee
when something happens, an accident, an illness, a hospital stay.
Q: Is this different from Medical Balance Protection™?
A: Yes. Medical Balance Protection™ pays the
medical provider directly for what group health does not cover.
Voluntary benefits pay cash directly to the employee.
Q: Does this cost the employer anything?
A: Employees typically pay for these benefits themselves,
at group rates they could not get on their own.
Q: What kinds of voluntary benefits are available?
A: Dental, vision, accident, hospital indemnity, critical illness, and disability,
with long-term care available on request.
Not sure which voluntary benefits actually fit your team? Let's talk.
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
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Updated 08/23/2026
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