Voluntary products

Voluntary benefits are a natural extension to the employer-sponsored group products already being provided for employees, such as life, disability and health care coverage. A comprehensive benefits program that includes voluntary products can make the difference in recruiting talented employees.

Voluntary benefits are 100% employee-paid, but allow employees to save because they are offered at discounted group rates. Employees can make their premium payments for these benefits through convenient payroll deduction.

To review voluntary product information, select a plan below.

Group Term Life

Optional life insurance for additional financial protection

Accidental Death and Dismemberment

Optional coverage to supplement group term life

Short Term Disability

Optional short-term income protection

Long Term Disability

Optional long-term income protection

Dental

Optional dental coverage

Dependent Life

Optional life insurance for family members

Cancer plans

Supplemental coverage for cancer related losses

Accident plans

Supplemental coverage for accidental injury and deatth

Critical Illness plans

Lump sum payment upon first diagnosis of a covered critical illness

Hospital Confinement plans

Supplemental coverage for inpatient hospital stays; also good for groups with HSA-qualified plans