Group Supplemental (Voluntary) Insurance
Group supplemental insurance provides extra financial protection beyond traditional health insurance. These plans help employees manage out-of-pocket expenses caused by accidents, illness, or hospitalization—without replacing their major medical coverage.
Supplemental benefits are typically employee-paid, making them a cost-effective way for employers to offer meaningful benefits without increasing overhead.
What Are Group Supplemental Benefits?
Supplemental (also called voluntary) insurance plans pay cash benefits directly to the employee, not the doctor or hospital. Employees can use these funds however they choose—medical bills, rent, groceries, childcare, or other everyday expenses.
These plans work alongside group health insurance or can stand alone when health coverage is limited.
Popular Group Supplemental Products
Accident Insurance
Provides cash benefits for injuries caused by covered accidents.
- ER visits
- Fractures and dislocations
- Ambulance services
- Follow-up care
- Physical therapy
Why employees love it: Helps cover high deductibles and unexpected accident costs.
Critical Illness Insurance
Pays a lump-sum cash benefit upon diagnosis of a covered serious illness.
- Heart attack
- Stroke
- Cancer
- Organ failure
- Major surgeries
Why it matters: One diagnosis can disrupt income, savings, and household stability.
Hospital Indemnity Insurance
Pays a daily or per-visit benefit for hospital stays.
- Hospital admission
- Daily confinement benefits
- ICU coverage
- Outpatient surgery benefits
Best for: Employees with high-deductible health plans (HDHPs).
Cancer Insurance
Provides targeted financial support for cancer treatment and recovery.
- Chemotherapy and radiation
- Hospital stays
- Diagnostic testing
- Travel and lodging (some plans)
Extra peace of mind: Benefits may continue through treatment and follow-up care.
Short-Term Disability (Voluntary)
Helps replace a portion of income during short-term illnesses or injuries.
- Pregnancy
- Surgery recovery
- Non-work-related injuries
- Serious medical conditions
Income protection when PTO runs out.
Whole Life or Term Life (Voluntary)
Affordable life insurance offered through the workplace.
- Employee and dependent coverage
- Guaranteed issue options
- Portable policies employees can keep if they leave
Why Employers Offer Supplemental Benefits
✔ No or low employer cost
✔ Simple payroll deduction
✔ Enhances overall benefits package
✔ Increases employee satisfaction
✔ Helps close coverage gaps
Supplemental benefits show employees you care about their financial well-being, not just their medical coverage.
Why Employees Choose Supplemental Insurance
✔ Cash benefits paid directly to them
✔ Helps cover deductibles and co-pays
✔ Protects savings during medical events
✔ Affordable group rates
✔ Easy enrollment at work
Enrollment & Eligibility
- Available to businesses with 2+ employees (varies by carrier/state)
- Guaranteed issue for many plans
- No medical exams for most employees
- Coverage can often extend to spouses and children
Our Role as Your Group Benefits Partner
We help employers:
- Select the right mix of voluntary products
- Educate employees during enrollment
- Coordinate payroll setup
- Provide ongoing service and plan reviews
No pressure. No confusion. Just smart benefit solutions.
Request a Group Supplemental Benefits Quote
Looking to add value to your benefits package without increasing employer costs?
📞 Schedule a free consultation today to explore group supplemental insurance options for your organization.
