What Are Supplemental Benefits?
Supplemental or voluntary benefits are optional, employee-paid insurance products offered at group-discounted rates through payroll deduction — at no cost to the employer. They pay cash directly to you when covered events occur.
Disability Insurance
Replaces a portion of your income if you are unable to work due to illness or injury.
Cancer Insurance
Pays a lump-sum or per-treatment benefit upon a cancer diagnosis to cover out-of-pocket costs.
Critical Illness
Lump-sum cash benefit paid directly to you upon diagnosis of a covered critical illness.
Accident Insurance
Cash benefits for injuries from covered accidents — ER visits, fractures, physical therapy, and more. Open year-round.
Hospital Indemnity
Fixed cash benefit for each day you are hospitalized — helps cover deductibles and daily expenses.
Life Insurance
Group-rate life insurance through your employer with guaranteed issue options and no medical exam required.
Public Sector Organizations Served
I work directly with public sector agencies and their employees — bringing group benefit education and enrollment to your worksite.
Department of Mental Health (DMH)
Department of Children & Family Services (DCFS)
Department of Public Works (DPW)
Department of Public Social Services (DPSS)
Department of Health Services (DHS)
Department of Public Health (DPH)
Probation Department
Parks & Recreation
Child Support Services (CSSD)
Sheriffs & Firefighters
VA and County Hospitals
School districts and municipal agencies