Supplemental Benefits

Supplemental benefits have a positive impact on both employees and employers.

Supplemental benefits fill the gaps in core coverage  by giving employees the flexibility to choose the coverage they need for their particular circumstances. Plus, supplemental benefits are typically portable, and premiums remain constant when an employee retires or changes employment.

Employers enjoy higher employee retention  when supplemental benefits are made a part of an employer’s benefit package. Supplemental benefits are often the deciding factor in employment decisions. There is  positive effect on employee recruitment when employers make supplemental benefits a part of their overall benefit package.

Supplemental Benefits Provide a Range of Coverage

Life products provide security for those left behind after the loss of a loved one either during active years or post-retirement.

Income Protection products help replace lost income when a health related event occurs and an employee can no longer perform his or her job.

Supplemental Health products help pay the deductions, co-insurance and indirect costs that are associated with critical illness, sickness or accident.

Other benefits and purchasing programs provide convenience of payroll deduction for other insurance needs and help employees purchase name brand products without the need of a strong credit history.

Discount Programs offer employees the opportunity to save money on many items through a discount website.

To reduce health costs, many supplemental benefits encourage healthy lifestyles through Wellness Initiatives by offering employees monetary incentives to participate in health screenings.