Voluntary and supplemental benefits for employees.

Dental insurance can help employees plan for preventive and diagnostic care and, depending on plan provisions, basic or major treatment. It can be considered alongside medical coverage when employees are comparing household health expenses. Covered services, benefit limits, network and plan administration details vary by plan and state, so the conversation starts with the group and the available provisions.

Vision insurance can support routine eye exams and eligible materials such as lenses, frames, and contacts. It gives employees another way to consider expected eye-care expenses during workplace enrollment. Exam and material allowances, network access, frequency limits, eligibility, and other plan provisions vary, so the right option depends on the group and the benefits being offered.

Short-term and long-term disability insurance can help replace part of an employee's income after an eligible illness or injury prevents work. State-replacement designs can address state-mandated programs where available. Benefit duration, waiting periods, funding approach, eligibility, and plan provisions all matter, so employers and brokers should review the available options before enrollment.

Accident insurance can pay cash benefits for eligible covered injuries. Employees may use a benefit according to their own household priorities, while employers can consider how the coverage fits alongside medical and other workplace benefits. Benefit schedules, covered injuries and services, exclusions, and the way coverage coordinates with other insurance depend on the available plan provisions.

Hospital insurance can provide cash benefits for eligible admissions and stays, helping employees consider costs that medical insurance may not fully address. It is often reviewed as part of a broader voluntary benefits package. Admission and confinement benefits, eligible hospital services, exclusions, and coordination with other coverage vary by plan and state.

Critical illness insurance can provide a lump-sum benefit after an eligible diagnosis. The benefit is paid directly to the insured unless assigned. When evaluating options, employees and employers should review covered conditions, benefit amounts, recurrence provisions, exclusions, and any health screening benefit that may be available under the plan.

Cancer insurance can provide benefits tied to eligible screening, diagnosis, treatment, and recovery events. It can be part of a voluntary benefits conversation for employees who want to understand the options available through work. Screening and diagnostic benefits, treatment-related schedules, exclusions, and state availability depend on the applicable plan provisions.

Worksite life insurance can help employees plan for the people who depend on them. During enrollment, employees can review available coverage amounts and whether employee or dependent options are included. Eligibility, portability provisions, benefit amounts, and the terms of coverage vary by plan and state, so those details should be reviewed before an election is made.