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    Voluntary Benefits

    Offer more—without impacting your budget. Employees purchase supplemental coverage at group rates with pre-tax dollars.

    Enhance Your Benefits Package

    Do you want to do something extra for employees but the budget won't stretch? Voluntary benefits let staff choose added protection—no employer premium required. It's a win-win that shows you care while keeping costs under control.

    0%

    No Cost to Employer

    Employees pay 100% of premiums through payroll deduction

    30-50%

    Group Rates

    Lower costs than individual policies

    25-35%

    Pre-Tax Savings

    Reduces taxable income for employees

    Popular Voluntary Benefit Options

    Supplemental Life Insurance

    Additional life coverage beyond basic employer-provided amounts

    Key Features:

    • Employee and spouse coverage
    • Child coverage options
    • Portable benefits
    • Guaranteed issue amounts

    Critical Illness Insurance

    Lump-sum payment for covered critical illness diagnoses

    Key Features:

    • Cancer, heart attack, stroke coverage
    • Lump-sum benefit payment
    • Use funds as needed
    • Family coverage available

    Accident Insurance

    Cash benefits for covered accidents and injuries

    Key Features:

    • On and off-the-job coverage
    • No deductibles or networks
    • Fast benefit payments
    • Coverage for whole family

    Short-Term Disability

    Income replacement for temporary disabilities

    Key Features:

    • Weekly benefit payments
    • Short elimination periods
    • Covers illness and injury
    • Supplements existing coverage

    How Voluntary Benefits Work

    1

    Offer Options

    Present voluntary benefit choices to employees during enrollment

    2

    Employee Choice

    Employees decide which benefits they want and need

    3

    Payroll Deduction

    Premiums are deducted from employee paychecks

    4

    Coverage Active

    Employees have additional protection at group rates

    Benefits for Employers

    Cost Control

    • No direct premium costs to employer
    • Minimal administrative burden
    • Enhanced benefits package without budget impact

    Employee Satisfaction

    • Shows employer cares about employee wellbeing
    • Provides peace of mind for employees
    • Can improve recruitment and retention

    Explore voluntary benefit bundles with a GBS advocate

    Let's discuss which voluntary benefits would be most valuable for your employees and how to implement them seamlessly.

    Call (309) 452-7970