Supplemental Benefits

Give your employees more ways to protect their health, finances, and well-being—without significantly increasing your benefits budget. 

What Are Supplemental Benefits

Supplemental benefits are add-on policies that can help employees address specific health and security needs, without a significant employer commitment. Providing these benefit options as part of your package demonstrates that you care about the broader well-being of your employees.


These plans are offered in addition to a group medical plan or HRA, and are often 100% employee-paid through payroll deductions. 


  • Flexible benefit options
  • No employer premium contribution required (unless desired)
  • Easy to offer as part of a voluntary benefits package


These plans offer a way for your employees to feel more completely covered for whatever challenges life throws their way.

Plan Options

These recommended plan options can be offered as part of a shared-cost benefits package, with the employer contributing toward the premium, or as a voluntary benefit that is 100% employee-paid.

Accident Insurance

Accident insurance can provide added financial protection when an unexpected injury occurs. It typically pays cash benefits for covered accidents and related expenses, helping employees manage out-of-pocket costs while they focus on recovery.

Critical Illness Insurance

Critical illness insurance can provide added financial protection if an employee is diagnosed with a covered serious illness, such as cancer, a heart attack, or stroke. It typically pays a cash benefit that can be used to help with medical bills, everyday living expenses, or other financial needs.

Hospital Indemnity Insurance

Hospital indemnity insurance can provide added financial protection when an employee is hospitalized due to a covered illness or injury. It typically pays cash benefits for covered hospital stays and related services, which can help with out-of-pocket medical costs, everyday living expenses, or other financial needs.

LegalShield & Identity Theft Protection

LegalShield and identity theft protection services can give employees convenient access to legal assistance and resources to help protect their personal information and identity. Depending on the plan selected, services may include consultations with attorneys, assistance with common legal matters, identity monitoring, alerts, and identity restoration support. Services, features, limitations, and eligibility vary by plan.

Voluntary Benefits

Frequently Asked Questions

  • Do we have to pay for voluntary benefits?

    In many cases, no. As the name suggests, most plans are offered on a voluntary basis, with employees choosing and paying for the coverage they want.

  • Can part-time employees enroll?

    Sometimes. Eligibility depends on the plan and carrier. We can help you find plans with broader eligibility.

  • How do employees enroll or make claims?

    We will assist with onboarding, enrollment, and education. Claims are usually filed directly with the carrier, and most offer mobile apps or online portals.

  • Do employees need to answer medical questions?

    Many supplemental plans offer guaranteed issue during the initial enrollment period, meaning no health questions are asked.