Group Voluntary Insurance

Offer more ways to support your team, without a hefty increase in cost. Simply Senior Solutions helps you choose group supplemental plans that enhance your core benefits and protect employees.

What Are Voluntary Benefits?

Voluntary insurance options are supplemental add-on policies that can help employees fill coverage gaps and manage out-of-pocket costs for specific health needs. These plans are offered in addition to a group medical plan or HRA, and are often 100% employee-paid through payroll deductions. 


  • Flexible benefit options
  • No employer premium contribution required (unless desired)
  • Easy to offer as part of a voluntary benefits package


These plans can increase employee satisfaction, improve financial security, and reduce pressure on your core health plan, all at little or no added cost to your business.

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Types of Voluntary Benefits

Dental & Vision


Group dental & vision plans are popular add-ons that offer preventive and diagnostic coverage, often with national provider networks.


  • Dental: Cleanings, exams, x-rays, fillings, crowns, dentures
  • Vision: Exams, glasses, contact lenses, LASIK discounts


Many plans include no waiting periods and offer tiered benefit levels to fit different needs and budgets.


Disability Insurance


Disability insurance replaces a portion of an employee’s income if they’re unable to work due to illness or injury.


  • Short-term disability (STD): Covers temporary conditions like surgery recovery or maternity leave
  • Long-term disability (LTD): Offers income replacement for extended or permanent disabilities


You can offer disability plans as voluntary (employee-paid) or employer-funded.


Life Insurance


Group life insurance provides a lump-sum payment to an employee’s beneficiary in the event of their death.


  • Basic life: Flat benefit amount (e.g., $25,000) or multiple of salary
  • Supplemental life: Employees can purchase additional coverage
  • Dependent life: Optional coverage for spouses or children


Life insurance is one of the most valued low-cost benefits you can offer.


Other Supplemental Options


Depending on your carrier, you can also offer:


  • Accident Insurance: Pays cash benefits for accidental injuries
  • Critical Illness: Coverage for serious diagnoses like cancer, stroke, or heart attack
  • Hospital Indemnity: Helps cover hospital stays, deductibles, and coinsurance


These plans provide cash benefits paid directly to the employee, which can be used for medical bills or everyday expenses.

How We Can Help

Simply Senior Solutions helps you design a supplemental benefits package that fits your team and budget. We will work together to choose from a range of leading insurance carriers, customizing the best plan options and coverage levels for your organization.

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Voluntary Benefits

Frequently Asked Questions

  • Do we have to pay for voluntary benefits?

    In many cases, no. As the name suggests, most plans are offered on a voluntary basis, with employees choosing and paying for the coverage they want.

  • Can part-time employees enroll?

    Sometimes. Eligibility depends on the plan and carrier. We can help you find plans with broader eligibility.

  • How do employees enroll or make claims?

    We will assist with onboarding, enrollment, and education. Claims are usually filed directly with the carrier, and most offer mobile apps or online portals.

  • Do employees need to answer medical questions?

    Many supplemental plans offer guaranteed issue during the initial enrollment period, meaning no health questions are asked.