Protecting Your Employees.

Worksite Insurance

What Are Supplemental Benefits?

Supplemental benefits allow you to meet your medical and financial needs. They enhance the health insurance you may already have. Also known as voluntary benefits, enrolling in a plan helps to fill coverage gaps and/or to help with medical bills.

Do I Need Supplemental Benefits?

Imagine something happens to you or your family- are you prepared to pay the deductibles, copays, coinsurance, and/or out-of-pocket maximum? Even if you have that covered- could you then afford to miss work? Then you need to consider Supplemental Benefits.

How Do These Benefits Work?

Many people are unfamiliar with Supplemental Benefits and often confuse them with health insurance. These benefits are very different from health insurance because:
Payment is sent to the Insured (you) directly
Benefits may be used for ANY purpose (medical bills, household expenses, childcare, etc.)
No deductibles or copays required to receive payment
Plans start at less than $1/day

What Supplemental Benefits Do You Offer?

We offer a wide-range of affordable options and can provide them directly to you or through your employer. Depending on the plan, you may have the option to cover your spouse and/or dependent children.

Accident

These plans pay lump-sum benefits for covered on/off the job accidents and offer a range of benefits for simple or complex accidents. This is coverage for IF something happens, and may be fitting if you:
Have children
Are otherwise healthy
Lead an active lifestyle
Work in a blue-collar industry

Hospital Indemnity

These plans pay upon incurred costs of a hospital stay and/or other medical procedures due to a covered accident or illness. This is coverage for WHEN something happens, and may be fitting if you:
Have Disability Insurance that includes an elimination period
Are enrolled in a high-deductible health plan (HDHP)
Have a family history of sickness/illness
Are in a risky profession
Plan on becoming pregnant

Critical Illness

These plans pay when diagnosed and/or treated for a covered critical illness (heart attack, stroke, cancer, etc.). This is coverage for IF a covered critical illness is diagnosed, and may be fitting if you:
Have a family history of a covered critical illness (cancer, heart attacks, strokes, etc.)
Are at an age where critical illness is more likely
Are constantly or increasingly stressed

Disability

This plan pays if you suddenly become ill or injured due to a covered on/off the job accident or illness, and couldn’t work. This is coverage for IF something happens, and may be fitting if you:
Would find it near impossible to maintain your standard of living and/or pay bills
Do not have 3 to 6 months in emergency savings
Have family that depends on your income
Are in a risky profession

Life Insurance

This pays out if you unexpectedly pass away. This is life insurance coverage for IF something happens, and may be fitting if you:
Have loved ones that depend on your income
Do not have 3 to 6 months in emergency savings
Possess financial obligations that require your income