Voluntary Benefits

We customize programs to fit your needs

Accident

Helps offset unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a fracture, dislocation, or other covered accidental injury.

Critical Illness

Supplements your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness

Disability

Helps replace a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness. We offer short or long-term disability insurance to our clients.

Life Insurance

Enables you to tailor coverage for your individual needs and helps provide financial security for your family members. This provides comfort and relief for your family.

Cancer Plans

Many Americans suffer from cancer every year. This plan can help offset the costs of treatment, testing, and lodging. By offsetting the cost, it can help families be more financially stable through these trying times.

Dental/ Vision

Most people receive some type of vision and or dental treatments throughout their life. This plan assists by helping pay for dental and vision appointments, treatments, prescriptions, and surgeries.

Gap Coverage

  • Covers out-of-pocket expenses (deductibles, co-pays, and co-insurance)
  • Defined Narrowly so as not to cover categories prone to excess utilization, such as prescription and routine office care.
  • Complements the major medical plan, by only covering medical services that are eligible under the major medical policy
  • Easy to use, including assigning benefits to the provider, which expedites payment
  • Enables employees to cover expenses year- round, even early in the year when there would likely be limited funds in a Health Savings Account.

Hospital Income

You never know what life will throw at you, so being prepared with Hospital Income can help relieve your family by supplementing your major medical insurance to help with the cost if you are admitted or confined into the hospital.

Identity Theft

Many Americans using the internet to pay bills and purchase items this can increase your chances of having your identity stolen. This program will protect your family and give you peace of mind when you make purchases.

Executive Carveout Programs

Do you want to reward your key employees? We have the solution, we offer executive carveout programs that offer larger  life insurance plans then what is available in group plans. This shows your key employees how much you care about their loyalty & hard work.

TPA Services

Operational services that help with claims, billing, and record keeping

COBRA

Allows employees to temporarily continue employer-sponsored coverage after a qualifying life event.

HSA

Tax-advantage savings account that you can use towards qualified medical expenses.

FSA

Pre-tax benefit that allows the employee to set aside money for eligible out-of-pocket medical, dental, or vision expenses.

HRA

Employer funded, tax advantage health benefit plan that reimburses employees for qualified medical expenses.