Accident coverage
Cash benefits for covered injuries.
Voluntary & supplemental benefits
More choice for employees, without straining the budget.
Voluntary benefits let employees choose and pay for extra coverage — like accident, critical illness, or hospital indemnity — through payroll deduction, often at group rates.
- Employee-paid options
- Payroll deduction
- Fills gaps in health plans
The basics
What voluntary benefits are.
Voluntary benefits expand choice without necessarily increasing employer costs.
Voluntary (or worksite) benefits are offered by the employer but generally paid for by employees. Common options include accident, critical illness, hospital indemnity, supplemental life, and dental or vision.
Because they’re offered through the workplace, enrollment is convenient and premiums are paid through payroll deduction.
These plans pay limited benefits and work alongside — not instead of — major medical coverage.
Needs it may address
What voluntary benefits can add.
Critical illness
Lump-sum benefits for covered diagnoses.
Hospital indemnity
Fixed benefits for covered hospital stays.
How it works
How voluntary benefits work.
Select the options
Choose which plans to make available.
Employees enroll
Each employee chooses what fits their needs.
Payroll deduction
Premiums are deducted from employees’ pay.
Key features and important limitations
Key features
- Little or no direct cost to the employer in many cases.
- Employees choose the coverage they want.
- Convenient payroll deduction.
Important limitations
- Limited-benefit plans — not a substitute for health insurance.
- Participation minimums may apply.
- Employer administration (payroll deductions) is required.
- Want to enhance benefits on a tight budget.
- Offer a high-deductible health plan.
- Have a diverse workforce with different needs.
Questions
Common questions
Do voluntary benefits cost the employer anything?
Premiums are typically paid by employees, though there is some administrative work, such as payroll deductions. Some employers choose to contribute.
Can employees keep coverage if they leave?
Some voluntary plans are portable. It depends on the carrier and the policy.
Next step
Expand your benefits menu.
See which voluntary benefits could fit your team and how enrollment works.
Talk directly with Cameron McClendonLicensed Insurance Agent
Not ready to book? Send a message
Prefer email? cameron@mcclendongroup.net
Supplemental and fixed indemnity plans are limited-benefit policies, not health insurance, and do not satisfy the requirement for minimum essential coverage.
General, educational information only — not legal, tax, or compliance advice. Plan availability, participation and contribution requirements, eligibility, underwriting, and costs vary by carrier, group size, industry, and location. Coverage is subject to the group policy. Employers should consult their own legal and tax advisors about plan design and compliance obligations. McClendon Benefits Solutions is the business name of Cameron McClendon, a Texas-licensed General Lines Agent (Life, Accident, Health and HMO), license #3253199.