Dental, Vision, Short Term Disability, Long Term Disability, Life Insurance

Voluntary benefits are insurance products that employers offer to employees, with the cost assumed by employees who elect the coverage. Typically, these packages include coverages such as dental, vision and disability. When employees obtain these products through their employer, the rates are lower than employees could get if they purchased them on their own. Many times they are not available on a non-group basis. Employers offer voluntary benefits because they allow companies to provide a better benefits package at no additional cost to them.

Advantages of voluntary benefits to employers

Voluntary benefit packages make it more attractive for employees to stay with your company, thus helping to reduce turnover. The coverages help your employees to protect their health, as well as their financial well being. As an added bonus, you have an opportunity to lower your payroll taxes for enrolled employees.

• Premiums are paid from pre-tax compensation and deducted from the employee's paycheck, so payments are simple and convenient.
• Voluntary benefits provide employers with a win-win opportunity to help their employees as well as their company.

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