Worksite Products

"75% of employers surveyed are concerned that employee dissatisfaction with health care benefits is impacting attraction, retention, and engagement." -HIRC research, as reported in BW HealthWire

"Worksite marketing" is a term that is used by benefits professionals to describe supplemental and voluntary employee benefits, either issued as individual coverage or, more often, as employee-paid group coverage. Employee-paid and voluntary individual plans, offered through a payroll deduction program, are popular ways for employers to expand the scope of their benefits, without incurring any additional costs. This is vitally important in today's tight job market, where an employee's compensation and benefits package can be the deciding factor in an employee's choice to come, stay, or go.

The advantages of voluntary/supplemental plans include:

Voluntary plans allow the employer to provide a benefit without having to pay for it.
Higher benefits levels - more benefits available to employees to suit their personal needs.
Group rates - an employee will receive a better rate through a group-sponsored plan.
Underwriting qualifications - simplified; employees can more easily qualify for a policy.
Most plans are portable - can be carried by the employee after separation from the company.
Payroll deduction - allows the employee to have the benefits they choose, deducted from their pay on a pre or a post-tax basis and the premium paid with the group, which makes the process simple for the employee.

The most popular payroll deduct plans include:

Group voluntary life and disability - There is no better way to take advantage of group rates and group underwriting. Group term life is simpler for an employee to qualify for, with fewer health questions or requirements.
Group disability - available in both short and long term disability policies that protect the core need: the paycheck! Most people need the income protection this type of plan allows.

Other popular payroll deduction plans include:

accidental death & dismemberment
accident coverage
hospital income coverage
cancer coverage
critical illness coverage
intensive care coverage
universal life insurance
long term care insurance
hospital confinement plans
legal service plans

We are committed to helping your employees understand and appreciate these benefits, with the same commitment we make to all benefits planning, such as group and individual enrollment meetings, confidential personal salary illustrations, yearly benefit statements, and easy access to web-based and telephone benefit support.