Voluntary Benefits That Add Value Without Adding to Your Budget
Worksite benefits let your employees choose coverage that fits their life, paid by them at group rates they cannot find on their own. More choice for your team, no added cost to you, and a stronger benefits package overall.
What Is Worksite Insurance?
Worksite insurance refers to voluntary benefits offered through an employer that employees can purchase at lower group rates than they would find individually. Common options include accident insurance, critical illness coverage, hospital indemnity, and supplemental life. Employees pay the premiums. Employers benefit from a richer benefits package at no added expense.
Flexible, Reliable Coverage Options
More Choice for Employees, No Added Cost to You
Give Employees More Without Spending More
Voluntary benefits let employees fill gaps in their coverage on their own terms. We help employers set up the offering correctly, communicate the options clearly, and drive the kind of enrollment participation that makes the program worth running.
FAQs
Standard employer benefits, like medical, dental, and vision, are typically paid for in full or in part by the employer. Worksite benefits are voluntary products that employees choose and pay for themselves through payroll deduction. The employer facilitates access to group rates but does not contribute to the premium cost.
In most cases, no. The primary cost to the employer is administrative: setting up payroll deductions and coordinating open enrollment. Employees pay their own premiums. We handle most of the enrollment logistics so the administrative burden on your HR team stays minimal.
Accident insurance is consistently one of the most enrolled voluntary products because it pays benefits for a wide range of everyday injuries, not just major events. Critical illness and hospital indemnity are also popular because they help cover costs that major medical does not, like deductibles, copays, and non-medical expenses during a recovery.
Premiums are collected through payroll deduction, which makes them easy for employees to manage. We coordinate with your payroll process during setup so everything runs cleanly from the first deduction forward. Most carriers accept deductions on a pre-tax or post-tax basis depending on the product.
Yes. Voluntary benefits can be layered onto an existing medical, dental, and vision offering at any time, not just at initial group setup. We evaluate what you currently offer and identify which worksite products would add the most value for your specific workforce.
Let’s Make Your Benefits Work Better
If your current benefits feel confusing, expensive, or unsupported — it’s time for a better approach.
