Also known as "worksite marketing," or the payroll deduction business, voluntary benefits are becoming increasingly popular as cost-conscious employers scale back their health benefits and shift more costs to employees. Other factors besides cost savings are fueling the growth of the voluntary benefits market. Voluntary benefits offer a competitive edge in an employer's recruitment and retention efforts. Offering a wider menu of benefits -- including those that help employees fill gaps in their health coverage -- can level the playing field, especially for smaller businesses that compete with larger employers for talent.

Get the protection you need at prices you can afford!

• Life and Accidental Death Insurance: Accidents happen! According to the National Safety Council, they are the leading cause of death for those under age 45, and among the leading causes of death for people of all ages. You cannot foresee accidental death, but you can protect your loved ones & your family financially with Life and Accidental Death Insurance.
  

• Accident Insurance: Millions of Americans are seriously hurt in accidents every year. Many of them are disabled. Some die. And they all have one thing in common; they thought it wouldn’t happen to them. Sadly, that’s just the start of the problems for families, especially when it’s the breadwinner who’s the victim of an accident and there’s no insurance. Even an accidental injury to a child can be a major drain on your family’s finances. It doesn’t have to happen. For a few dollars a month, you can protect your loved ones from financial disasters. And, if nothing happens, the peace of mind is worth the small cost. 
  

• Cancer/Specified Illness: Protect you and your family from the expenses of cancer beyond the doctor's office. If you were to be diagnosed with cancer, you might incur additional out-of-pocket expenses that your hospital or medical insurance won't pay. Supplemental insurance specifically for cancer will help you pay expenses such as deductibles and copayments, costs that most insurance plans require you to pay. It also helps cover you for daily living expenses. Benefits offered under cancer insurance policies may be wide-ranging or fairly specific and payment may be in the traditional manner or simply in a single lump sum once a cancer diagnosis is confirmed.
  

• Short Term Disability: If you were to become sick or disabled tomorrow and were unable to work for two or three months, would you have enough savings to cover your living expenses during that time? If you don't, short term disability insurance would be an invaluable resource as you recover so you can get back to work.

According to the American Council of Life Insurers, nearly one-third of all Americans will suffer a serious disability between the ages of 35 and 65. Statistics like that make should make short-term disability insurance a vital piece of your overall financial plan. Short Term Disability Insurance replaces up to 60%-70% of an employees’ income in the event of an injury or illness that prohibits the employee from working. Benefit periods for STD range from 3 months to 24 months.

• Long Term Disability: Some experts contend that long-term disability insurance is the most important insurance you can purchase. This can be partially attributed to advances in medical care; some diseases and injuries are now disabling rather than deadly, meaning that the incapacitation can be lengthy. Typically, long-term disability insurance can be purchased to replace 50-70% of your salary. Long-term disability policies vary in the length of payout: some policies will only pay out for 5 or 10 years, some will pay out until age 65.
  


• Hospital Confinement Policy: Going to the hospital is something you hope you or your family will never have to experience. However, if you had to stay in the hospital, do you have enough money set aside to cover the out-of-pocket costs associated with a hospital stay? What if you had to be in the hospital for a week or more? Those charges add up. How would you pay the expenses that accumulate with each day you are in the hospital? A Hospital Confinement Policy (sometimes called hospital income insurance) is a type of health insurance policy which pays a specified periodic benefit should the insured be confined to a hospital for accident, illness or injury. This benefit is paid regardless of whether or not there is other insurance available and is not reflective of or dependent upon the amount of medical expenses involved.
  


• Limited Benefit Medical: A limited benefit medical plan is an insurance product to help pay for noncatastrophic medical expenses. It’s not major medical insurance, nor is it a substitute for major medical coverage, but it does pay for a limited set of benefits with a fixed benefit amount. Limited medical plans are a low cost alternative to major medical insurance for those uninsured Americans who cannot afford traditional health insurance. Employers are using these plans to recruit and retain employees, save costs and compete more effectively.
  


• Group Legal Plan (Sometimes referred to as Pre-Paid Legal): Provides employees with discounts for legal assistance. Most plans provide a Will free of charge, generally valued between $300 and $500 dollars. Also provides for eldercare directives, warranty problems, estate planning, landlord/tenant disputes, traffic court, home purchase and contract/document review...Takes the fear out of the legal system.