Our voluntary benefits program is designed to help our employees protect themselves and their loved ones, and to help them save money on the things they need. These benefits are available at group rates, and can be paid through payroll deductions.
One of the voluntary benefits we offer is short-term disability insurance. This coverage provides a percentage of your income if you are unable to work due to a non-work-related illness or injury. This coverage can help you pay your bills and maintain your standard of living while you are recovering.
Another voluntary benefit we offer is long-term care insurance. This coverage pays for the cost of care if you are unable to perform activities of daily living, such as bathing, dressing, and eating, due to a chronic illness or injury. This coverage can help you pay for the cost of care in your own home, in a nursing home, or in an assisted living facility.
We also offer critical illness insurance, which pays a lump sum benefit if you are diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. This coverage can help you pay for unexpected medical expenses, such as co-pays, deductibles, and travel expenses.
We also provide an employee assistance program (EAP) which provides employees and their families with confidential counseling and support services, such as legal and financial counseling, and work-life balance counseling.
We also offer an option for employees to purchase additional life insurance coverage, which can help provide extra financial protection for their families in the event of their death.
Finally, we also offer a flexible spending account (FSA) which allows employees to set aside pre-tax dollars to pay for eligible healthcare and dependent care expenses.
All of these benefits are available to our employees at group rates and can be paid through payroll deductions. If you have any questions about our voluntary benefits, please contact our customer service team for assistance. We believe that by providing our employees with access to these valuable benefits, we are helping to support their overall well-being and financial security. We encourage all of our employees to take advantage of these voluntary benefits to help protect themselves and their loved ones, and to save money on the things they need.
It’s important to note that availability and specific details of each voluntary benefit may vary depending on your location, and the company’s policy. We encourage you to review the plan details and speak with our customer service team to determine which voluntary benefits are available to you and how to enroll.
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Here are recommendations based on your selections.
We’ll prioritize plans with low maternity/delivery costs and robust pediatric networks.
We’ll focus on standard coverage options for your current household size.
We’ll look for plans with fixed co-pays for brand-name or maintenance medications.
A balance of moderate premiums and fair prescription coverage is likely best.
A plan with a lower ‘Out-of-Pocket Maximum’ will likely save you the most money overall.
A plan with a lower ‘Out-of-Pocket Maximum’ will likely save you the most money overall.
You can likely opt for a lower-cost plan and save the difference in an HSA.
High-Deductible Health Plans (HDHP) offer lower premiums and tax-advantaged savings.”
A PPO plan offers more predictable costs, even if the monthly premium is higher.”
We recommend plans with low co-pays for specialist visits to keep costs predictable.
A standard mid-tier plan offers a balance of cost-sharing and monthly savings.
A ‘Catastrophic’ or HDHP plan might be the most cost-effective way to get coverage.
You are a great candidate for an HSA-eligible plan to grow your wealth tax-free.
We recommend a plan with a lower deductible to protect you from high unexpected costs.
We’ll show you ‘Premier’ dental and vision buy-up options for higher coverage limits.
A ‘Basic’ preventive plan will cover your annual cleanings and exams at the lowest cost.
You could save up to 30% on care costs by using a pre-tax Dependent Care FSA.
We will exclude the Dependent Care FSA from your recommended tax-savings strategy.
We’ll display our group discount rates for accident and illness coverage for your furry friends.
No problem—we’ll skip these voluntary benefits in your final summary.
We’ll highlight ‘Catch-up Contributions’ and Medicare transition resources for you.
We’ll focus on long-term growth strategies and maximizing your employer match.