Voluntary Benefits
Extra protection, no added cost to you.
Voluntary benefits give employees added coverage they choose—at no cost to your business. We help California employers offer flexible, meaningful options that boost satisfaction and show you care.
Flexible, employee-funded coverage.
What’s Included
Voluntary benefits are insurance products that employees can choose to enroll in and pay for through payroll deductions. They’re a cost-effective way to expand your benefits program and meet the diverse needs of your workforce. These plans often include quick enrollment and guaranteed issue—making them accessible for most employees.
01
Voluntary Life Insurance
Allows employees to purchase additional life coverage beyond what the company provides.
02
Accident Insurance
Pays a lump sum for injuries like fractures, concussions, or emergency room visits due to accidents.
03
Critical Illness Insurance
Offers a benefit upon diagnosis of a covered condition such as heart attack, cancer, or stroke.
04
Hospital Indemnity
Provides fixed payments for hospital stays, helping offset high deductibles or unexpected costs.
05
Disability Insurance Add-Ons
Employees can enhance their employer-provided coverage or opt into protection if no base plan is offered.
06
Dependent & Spouse Coverage
Many plans extend options to cover family members at group rates.
Why Voluntary Benefits Matter
Voluntary benefits give employees more control over their protection—without increasing employer expenses. They fill gaps left by medical and core benefit plans, especially for high-deductible health insurance users. In California’s competitive hiring market, these options can boost job satisfaction and provide much-needed financial support during life’s curveballs. We help you choose carriers and products that align with your team’s needs.
Voluntary Benefits FAQs
What are voluntary benefits?
Voluntary benefits are insurance products that employees can choose to add on, typically paying the full cost through payroll deduction. They provide financial protection beyond standard medical or life plans and are designed to be flexible, customizable, and easy to implement.
Do voluntary benefits cost the employer anything?
Generally, no. These plans are 100% employee-paid, though you can choose to contribute if desired. Offering voluntary benefits adds real value to your compensation package without increasing your business’s benefit expenses.
Are voluntary benefits popular with employees?
Yes! Employees appreciate the option to choose coverage that fits their family, health, and financial needs. Benefits like accident or hospital indemnity plans are especially helpful for those with high-deductible health plans or limited savings.
How do employees enroll in voluntary benefits?
Enrollment is typically handled during open enrollment periods and is often supported by digital tools or one-on-one consultations. We help you and your team navigate the process to ensure a smooth, stress-free rollout.
Can small businesses in California offer voluntary benefits?
Absolutely. In fact, voluntary benefits are an excellent way for small and mid-sized California businesses to offer big-company-style perks. We’ll help you structure an attractive program that strengthens your overall benefits offering.