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Aflac · Colonial Life & More

Voluntary Benefits That Attract & Retain Talent

Give your employees access to critical protection — accident, illness, hospital, and life coverage — at no cost to your business. We handle enrollment, administration, and ongoing support.

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Why employers offer voluntary benefits
$0 employer cost
Premiums are 100% employee-paid through payroll deduction. No budget impact.
Stronger job offers
A richer benefits package helps you compete for talent without raising salaries.
Higher employee satisfaction
Coverage for unexpected events reduces financial stress — and turnover.
Coverage Types

Six types of voluntary coverage we offer

Mix and match based on your workforce's needs. Employees choose what matters most to them — you offer it all.

Accident Insurance

Cash benefits paid directly to employees when they suffer a covered accident — ER visits, fractures, dislocations, burns, and more. Fills the gaps left by major medical insurance.

Available through: Aflac, Colonial Life

Critical Illness

Lump-sum cash payments upon diagnosis of covered illnesses like cancer, heart attack, stroke, or kidney failure. Helps employees manage non-medical costs during treatment.

Available through: Aflac, Colonial Life

Hospital Indemnity

Fixed daily or per-event cash benefits when an employee is hospitalized. Covers room and board, ICU stays, and outpatient surgery. Supplements health insurance deductibles.

Available through: Aflac, Colonial Life

Short-Term Disability

Employee-paid supplemental disability coverage that pays a percentage of income when an employee can't work due to illness, injury, or pregnancy — above and beyond the NY statutory minimum.

Available through: Colonial Life

Life & Supplemental Life

Voluntary term or whole life insurance that employees can elect above their employer-provided life benefit — often with simplified or guaranteed issue during enrollment periods.

Available through: Aflac, Colonial Life

Dental & Vision (Voluntary)

Standalone dental and vision plans employees can elect and pay for themselves — ideal for businesses that don't sponsor group dental or vision, or as a buy-up option.

Available through: multiple carriers
Our Carriers

Industry-leading voluntary benefit carriers

We broker through two of the most recognized names in voluntary benefits — with access to other carriers based on your specific needs.

Aflac
America's most recognized supplemental insurer
Aflac is the #1 provider of supplemental insurance in the U.S., known for fast, direct-to-employee claim payments. Their cash benefits help employees cover out-of-pocket expenses that health insurance doesn't pay.
  • Accident insurance
  • Cancer/Critical illness coverage
  • Hospital indemnity
  • Life and term life insurance
  • Short-term disability
Colonial Life
Trusted supplemental coverage since 1939
Colonial Life is one of the nation's leading providers of workplace voluntary benefits, with a strong focus on employer enrollment support and benefits education. Their representatives work with employees one-on-one to ensure the right fit.
  • Accident and disability insurance
  • Cancer, critical illness & heart/stroke
  • Hospital confinement indemnity
  • Term and whole life insurance
  • Dental & vision plans
Our Process

From zero to enrolled in under two weeks.

We handle everything — from carrier selection to employee enrollment meetings to ongoing claims support. Your only job is to say yes.

1

Discovery call with you

We learn about your workforce — size, demographics, current benefits — and recommend the right products and carriers for your employees' needs.

2

Enrollment design & scheduling

We plan the enrollment — in-person sessions, virtual meetings, or self-service — and prepare all employee-facing materials in plain English.

3

Employee benefit meetings

We meet with your employees (individually or in groups) to explain each product, answer questions, and help them enroll in what makes sense for their lives.

4

Ongoing broker support

As your Broker of Record, we assist with claims questions, coverage changes, new hire enrollments, and annual re-enrollment — at no additional cost.

What's in it for your business
Zero employer cost
All premiums are employee-funded. Offer more benefits without touching your payroll budget.
Better talent attraction
A stronger benefits package wins offers even against higher-paying competitors.
Reduced employee turnover
Employees with comprehensive benefits are significantly more likely to stay.
We handle admin
Enrollment, changes, claims support — we manage it all so your HR team doesn't have to.
Great for home care & healthcare employers

With competitive hiring environments and hourly workforces, voluntary benefits are one of the most cost-effective ways to differentiate your job offers without raising wages.

Common Questions

Everything employers ask about voluntary benefits

Because implementation matters. A broker handles carrier contracting, plan design, enrollment logistics, employee communications, and ongoing administration — all of which take significant time and expertise. Without a broker, you'd be managing carrier relationships, enrollment paperwork, and employee questions directly. We do all of that for you at no cost to your business.
Enrollment is always voluntary — employees choose whether to participate. Carriers typically require a minimum participation threshold (usually 3–10 enrolled employees) to set up a group plan. Our experience with employee benefit presentations consistently results in strong participation rates because we explain the value clearly and make enrollment easy.
Once employees enroll, their elected premium amounts are deducted from each paycheck by your payroll provider and remitted to the carrier. The process is nearly identical to how health insurance premiums are deducted today. Most payroll platforms handle this natively with a simple setup change. We provide the instructions your payroll team needs.
During initial enrollment periods, many voluntary benefit products are offered on a guaranteed-issue basis — meaning employees can enroll without medical underwriting. This is one of the significant advantages of workplace group enrollment versus individual market coverage, where pre-existing conditions can affect eligibility or pricing.
Absolutely — in fact, that's the most common scenario. Voluntary benefits layer on top of whatever you already offer. They don't replace or affect your existing health, dental, or PFL coverage. We design them to complement your current package and fill gaps that your employees are already paying for out of pocket anyway.

Ready to offer more without spending more?

Let's design a voluntary benefits package your employees will actually value — and thank you for.

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