Accident Insurance
Provides cash benefits following a covered accidental injury to help offset deductibles, copays, transportation costs, or everyday household expenses.
Accident, critical illness, hospital indemnity
Fill the Gaps in Your Employee Benefits Package
A strong employee benefits package goes beyond medical insurance. Voluntary benefits provide employees with additional financial protection for life's unexpected events, often at little or no direct cost to the employer. Employees choose the coverage that's right for them and typically pay for it through convenient payroll deductions at competitive group rates.
The case for it
Why Offer Voluntary Benefits?
At Clear HealthPlan Advisors, we help businesses design voluntary benefits programs that give employees more choice while enhancing the overall value of their benefits package.
Medical insurance is an important foundation, but it doesn't cover every financial challenge employees may face. Voluntary benefits can help employees manage unexpected expenses while giving employers an affordable way to strengthen their overall compensation package.
Offering voluntary benefits can help your business:
- Attract and retain quality employees
- Expand your benefits package without significantly increasing employer costs
- Give employees more flexibility and choice
- Help protect employees from unexpected medical expenses
- Increase employee satisfaction and financial confidence
What is available
Common Voluntary Benefits
We offer a variety of supplemental benefits that can be tailored to your workforce.
Critical Illness Insurance
Pays a lump-sum cash benefit upon the diagnosis of a covered serious illness, such as a heart attack, stroke, or certain cancers. Benefits can be used however the employee chooses.
Hospital Indemnity Insurance
Provides cash benefits for covered hospital admissions, overnight stays, or other qualifying hospital services to help reduce out-of-pocket medical expenses.
Cancer Insurance
Offers financial assistance following a covered cancer diagnosis, helping offset treatment costs and other expenses that may not be covered by a major medical plan.
Supplemental Life Insurance
Allows employees to purchase additional life insurance protection for themselves and, in many cases, their eligible family members through payroll deductions.
How the program gets built
Flexible Solutions for Every Business
Every workforce is different. We'll help you determine which voluntary benefits provide the greatest value for your employees while fitting seamlessly into your overall benefits strategy.
Whether you want to offer a single supplemental benefit or a comprehensive voluntary benefits package, we'll help you compare options from multiple insurance companies and design a program that aligns with your goals.
Working with Jordan
Why Choose Clear HealthPlan Advisors?
Employee benefits should be easy to understand and simple to manage.
When you work with us, you'll receive:
- Personalized recommendations based on your business
- Access to multiple insurance companies
- Straightforward guidance without confusing insurance jargon
- Ongoing support throughout the year
- A trusted advisor focused on your long-term success
Our goal is to help you build a benefits package that protects your employees while supporting your business.
Questions
Voluntary Benefits questions
What are voluntary benefits?
Voluntary benefits are optional insurance products offered through an employer that employees can choose to enroll in. In many cases, employees pay all or most of the premium through payroll deductions, allowing employers to expand their benefits package with minimal direct cost.
Are voluntary benefits only for large companies?
No. Businesses of all sizes can offer voluntary benefits. Many small employers use them to enhance their benefits package while keeping employer costs manageable.
Do employers have to pay for voluntary benefits?
Not necessarily. Many voluntary benefits are employee-paid, although employers may choose to contribute toward some or all of the premium depending on their benefits strategy.
Let's Build a Better Benefits Package
Whether you're adding voluntary benefits for the first time or enhancing your current offerings, we'll help you create a program that gives your employees more protection, more choice, and greater peace of mind.
Rather just talk it through? Call Jordan Schwabe at (210) 410-0472.