…allowing employees to choose options that best fit their needs.

Supplemental insurance programs are designed to help bridge the gap between the cost of treatment for a serious illness or disabling accidents and the actual payment by major medical insurance.

• Voluntary benefits are selected and paid for by employees, providing them a cost-effective way to expand group benefit plans at no additional cost to the employer.
• Voluntary benefits offered through payroll deduction allow employees to purchase individual insurance at group rates.
• Most benefits offered can be taken as a pretax deduction under the Cafeteria plan, saving the employer and employee tax dollars.
• Offering voluntary benefits in conjunction with a Cafeteria Plan allows employees to meet with an insurance consultant on an annual basis.
• Most voluntary benefits offered are portable at the same price if employees leave employment or retire.
• Adding payroll deducted benefits may be an employee’s only opportunity to provide extra coverage for his family members.
• Most benefits offered are subject to minimal underwriting or can be offered under guarantee issue guidelines.

If you would like more information about voluntary benefits, or to receive a quote, please contact:

Kevin Goldman – Worksite Marketing Manager
Office: 903.793.3034 / 877.793.3034
Mobile: 903.278.6633
E-mail: kgoldman@dainesinsurance.com