VOLUNTARY BENEFITS

Voluntary Benefits or Supplemental Benefits, are policies that cover out of pocket expenses oftentimes not covered by major medical insurance. 

Since these policies pay directly to the insured this money can be used for anything from co-pays and deductibles to rent and mortgage expenses or even just taking the time away from work to heal.

Critical Illness covers out of pocket costs with a lump sum benefit in case an employee is diagnosed with a covered illness. Typical expenses could be out of network costs for treatment and procedures such as an angioplasty and pacemaker implantation, travel and lodging expenses, child care.

Cancer Insurance can help offsets costs associated with treatment and recovery so you can focus on family and getting well. Typical expenses may include out of network costs, home health and rehab services, and time away from work to recover. 

This coverage can help with expenses due to a covered surgery or stay in the hospital that major medical may not cover. This is often referred to as our "Medical Bridge" plan due to bridging the coverage gap caused by co-pays, deductibles and max out of pocket expenses. 

Disability Insurance simply replaces a portion of an employee's or owner's income if they are unable to work due to sickness or injury. Disability Insurance can be used in the event of pregnancy and child birth, heart attack, accidents and many other conditions. 

Accident Insurance helps pay for out of pocket expenses for minor and major accidents. Affordable and flexible options for full family coverage make this one of our most popular coverages for active families. 

Life Insurance is one of the most important staples regarding your and your family's financial security and peace of mind. Whether it's a term policy or a whole/permanent policy we'll help you find the right solution to fit your needs and budget. 

 Dental is the most requested supplemental benefit because almost everyone uses it on a yearly basis. Often times cleanings and more serious procedures are not covered by major medical plans. Adding a Vision rider to a dental plan can be a great way to save on eye exams, glasses, or contact lenses.