These are optional benefits that are employee-paid.
Many employers offer these benefits as an incentive to attract high-quality candidates for positions in their organization. A good and comprehensive suite of supplemental benefits is often one of the most enticing things an employer can use to sway the mind of a prospective employee.
Group Voluntary Life and AD&D – available to employees and dependents.
Group Voluntary Short Term Disability – replaces a portion of weekly pay while out due to eligible illness or accident.
Group Voluntary Long Term Disability – replaces a portion of monthly pay while out due to eligible illness or accident.
Accident – pays cash for specific accident services – helps to offset deductibles, copays, and coinsurance.
Critical Illness – pays cash for specific critical illness (heart, cancer, stroke) – helps to offset deductibles, copays and coinsurance, and other incidental expenses.
Cancer – pays cash for cancer diagnosis – helps to offset deductibles, copays and coinsurance, and other incidental expenses.
Hospital Indemnity – pays cash for in and out-patient hospital stays – pays a portion of your deductible.
GAP – pays a specific amount to help offset higher deductibles and out of pocket expenses due to inpatient hospital stays
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