Voluntary Insurance

What is Voluntary Insurance?

Sometimes called Supplemental insurance or employee-paid benefits, voluntary benefits are offered by the employer through the workplace where employees can choose to buy them in addition to the core employee benefits they may get as part of a benefits package.

Voluntary insurance works hand in hand with major medical plans to help ensure individuals who are sick or hurt have the funds needed to pay health-related costs their primary insurance might not cover, as well as other out-of-pocket costs. After all, when a medical event occurs, there are deductibles, co-payments and treatment costs that aren’t covered to consider – not to mention the bills that continue to roll in even if an individual is too ill or injured to work.
  • Voluntary insurance can help provide employees with financial safety nets that keep their minds on their jobs and not on money concerns. 
  • Voluntary insurance pays cash benefits workers can use to help pay unexpected health care costs that might not be covered by major medical insurance or to help pay bills that threaten their financial security.
  • Voluntary insurance pays cash benefits regardless of any other insurance coverage employees have in place, including policies available through government health care exchanges.
  • Employees who are offered and enrolled in voluntary insurance plans feel more empowered at work, report increased job satisfaction and believe they’re more financially prepared to cope with unexpected medical expenses.
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Elk Grove, CA 95758​
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