Need help with Employee Benefits? Talk to us.
We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
Voluntary Benefits
Voluntary benefits are optional, employee-paid coverage offered at group rates through payroll. They round out your package, fill the gaps your health plan leaves and give employees real choice, at little or no cost to the company.
Higher deductibles leaving gaps?
Accident, hospital and gap plans pay cash toward deductibles, copays and bills at home.
Losing candidates to bigger companies?
Offer a package that stands next to larger employers without their price tag.
Every employee needs something different?
A new parent and someone near retirement can each pick what fits their life.
Budget already stretched?
Employees pay through payroll at group rates. Many plans can be pre-tax.
A Real-Life Example
An employee slips on the ice and ends up in the ER. Their health plan does its job, but after the deductible and coinsurance they still owe thousands.
With an accident plan, the employee gets cash for each part of the care, paid directly to them. They can use it on medical bills, groceries or the mortgage while they recover.
Hypothetical example for illustration only. Actual benefit amounts depend on the plan, carrier and coverage level chosen.
The Options
You pick the menu. Your employees pick what fits their lives. Most companies start with a few favorites and add more over time.
What if the medical plan doesn't cover it all?
What if a paycheck stopped?
What about life outside of health?
How It Works
We handle the setup and the explaining. Your part is mostly choosing what to offer.
We look at your workforce and recommend a short list of options that fit.
We meet with employees on-site or virtually and walk through each option in plain English.
Employees sign up online through Employee Navigator or with us in person.
Premiums come out of each paycheck. Many plans go with employees if they leave.
Questions
Usually little or nothing. Employees pay their own premiums through payroll deduction at group rates. Some employers choose to contribute toward certain plans, but it isn’t required.
No. Most companies start with a few of the most popular plans, like dental, vision and accident, and add more over time. We’ll help you pick a starting menu that fits your team.
Many voluntary plans are portable, so employees can often keep coverage if they change jobs or retire by paying the premium directly. Portability depends on the plan and carrier.
Some carriers require a minimum level of participation, which varies by plan. We’ll tell you up front what each option needs, so there are no surprises.
We do. Employees can call us for help with claims and questions all year, not just at enrollment.
Keep Exploring
Premiums climbing every year?
Level funding and tax-advantaged accounts that steady your costs.
Want a healthier workforce?
Programs that support healthier habits and fewer large claims.
Building the core plan?
Group health, life, disability and more, designed around your data.
Tell us about your company and your people. We’ll recommend voluntary benefits that fit and show you what they’d cost employees. No obligation.
Security First Benefits Corporation
2357 Stonebridge Dr.
Flint, MI 48532
Let’s chat about our dedicated employee benefit and compliance advisory services, in addition to value-add administration and HR tools.
Voluntary benefits are optional. While they can be partially funded by the employer, typically they are fully employee-paid benefits offered by employers at a group rate, allowing employees to supplement their core benefits at very affordable rates, when compared to buying them individually.
Employees pay for these plans through payroll deductions and can tailor their coverage to fit their specific needs and budget.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Other Important Disclaimers: Security First Benefits Corporation is a licensed health insurance agent authorized to market Medicare Insurance Plans. This is a solicitation for insurance. Please note a sales agent may call as a result of your inquiry for a quote. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.
Security First Benefits Corporation is not part of the Federal Medicare System.
Interested in an account? Contact us.
