Voluntary and Supplemental Benefits Your Employees Can Enroll In
Critical illness, accident, hospital indemnity, and cancer insurance pay directly to employees when they need it most. Saint Moore Insurance gives employers access to voluntary benefit options that strengthen the benefits package at no cost to the business.
What Are Voluntary and Supplemental Benefits?
Voluntary and supplemental benefits are insurance products employees can elect through the workplace, typically at group rates not available to individuals on their own. Common options include:
- Critical Illness Insurance: Pays a lump-sum benefit upon diagnosis of a qualifying condition such as cancer, heart attack, or stroke. The benefit is paid directly to the insured, not to a provider.
- Accident Insurance: Pays a benefit when an employee is injured in a covered accident, including emergency care, hospitalization, and follow-up treatment.
- Hospital Indemnity Insurance: Pays a daily or per-admission benefit when an employee is hospitalized, regardless of other coverage in force.
- Cancer Insurance: Pays a benefit upon a cancer diagnosis or during qualifying treatment.
Benefit amounts, eligible conditions, and payout structures vary by plan and carrier. Contact the Saint Moore Insurance Employee Benefits department for plan details and to discuss which options may be right for your group.
Who Needs Voluntary and Supplemental Benefits?
Any employer who wants to offer more without adding cost to the benefits budget is a candidate for voluntary benefits. These plans are employee-paid, which means:
- Employers can expand the benefits package at no direct premium cost to the business
- Employees gain access to coverage they cannot easily obtain on their own at the same group rates
- Employees who want more protection can elect it during open enrollment
For specifics on which voluntary products may be available for your group, contact the Saint Moore Insurance Employee Benefits department.
Critical illness, accident, and hospital indemnity coverage are difficult to obtain as an individual outside of an employer group platform. Saint Moore Insurance gives your employees access to these products at group rates as part of their standard benefits enrollment, at no employer cost.
Voluntary benefits pay cash directly to the insured, not to a hospital or provider. Employees can use those funds however they need to, including covering deductibles, travel costs, or household expenses while recovering. Saint Moore Insurance explains this distinction clearly during enrollment so employees understand what they are getting.
Voluntary benefits are structured as employee-paid coverage. Employers make them available as part of the benefits package, and employees elect them at their own cost during open enrollment. The benefits package gets stronger without adding to the employer's premium budget. Saint Moore Insurance facilitates the entire enrollment process.
How to Add Voluntary Benefits with Saint Moore Insurance
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Adding voluntary benefits to your package is one of the simplest ways to expand what you offer employees. Saint Moore Insurance manages the process.
Step 1: Review Your Current Benefits Package
Saint Moore Insurance reviews what you currently offer and identifies which voluntary products complement your existing medical, dental, and vision coverage.
Step 2: We Quote and Present the Options
We present voluntary product options from top carriers, including critical illness, accident, hospital indemnity, and cancer insurance. You choose which products to add to your benefits package.
Step 3: Employees Enroll at Open Enrollment
Employees see voluntary products alongside their other benefit options during enrollment. Saint Moore Insurance supports employee questions directly so adoption is not a burden on your HR team.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Expand Your Benefits Package?
Contact the Saint Moore Insurance Employee Benefits department to explore voluntary and supplemental benefit options for your group. No employer cost required to get started.
