Hawaii Voluntary Insurance Plans/Employee Benefits
Learn about how Proinsurance Hawaii’s voluntary insurance plans and employee benefits can give you the additional protection to bridge gaps in your current plan.
What are voluntary insurance plans?
Through voluntary insurance plans, you are able to receive benefits that can help pay your non-medical bills, or, expenses that are not covered by your health insurance. These expenses can include mortgage, utilities, groceries, and other basic daily expenses.
Even though we live among the healthiest states in the nation, the dangers of cancer, car accidents, diabetes, heart attacks, and other illnesses are still very real. Plus, due to the high cost of living in Hawaii, any kind of major illness, surgery, or medical emergency could keep you out of work for a prolonged time and ruin you and your family’s financial health. Volunteer insurance plans – also sometimes known as supplemental insurance or employee-paid benefits – can make sure that your finances will be protected, even when the unexpected happens.
Who can receive/offer voluntary benefits?
Non-profit, charitable organizations, and business owners can apply and offer voluntary benefits to employees. Full-time employees and part-time workers who work a minimum number of hours to meet the eligibility criteria can be eligible. Independent contractors typically are not covered under the employer’s policy, but individual policies for some benefits are available. Home-based and remote workers can receive voluntary benefits as well.
You can learn more by giving Proinsurance Hawaii’s trained agents a call.
Why should I choose a voluntary insurance plan?
Providing great benefits can help an employer attract and retain the best employees. Employers are able to offer voluntary benefits at no direct cost, leaving them with just the cost of administration. A volunteer insurance plan can also help control rising health care costs by allowing employers to choose less expensive coverage while offer their workers with a range of voluntary benefits that can help fill gaps.
For employees, choosing employee benefits and voluntary insurance plans can provide them with flexibility of choice. There is a wide range of options available, and many of the benefits are portable. Adding voluntary life benefits like dental, vision, group life, disability, critical illness, accident, cancer, hospital indemnity, and long-term care can help bridge gaps in an employee’s current plan and ensure that any additional health needs are met.
How can I as an employer offer voluntary benefits to my employees?
Give a trained Proinsurance Hawaii agent a call at (808) 735-0106 to learn more about how you can get started.