FAQ On Group Benefits
What are group voluntary benefits?
Group voluntary benefits are additional insurance options offered through an employer—often at little or no cost to the company—that employees can choose to enroll in. These benefits may include things like accident insurance, critical illness coverage, disability income protection, life insurance, and more. They’re typically offered at group rates, which makes them more affordable than buying coverage individually.
How do these benefits help employees?
Voluntary benefits help employees protect their income and health beyond what standard medical insurance covers. For example, accident and critical illness plans can provide lump-sum cash payouts that help cover deductibles, out-of-pocket costs, or lost wages. These benefits offer peace of mind during unexpected life events and can be a financial lifesaver—especially for families living paycheck to paycheck.
Why should my business offer voluntary benefits?
Adding voluntary benefits is a low-cost way to increase employee satisfaction, retention, and overall protection—especially in a competitive labor market. Since employees choose what they want, it’s flexible and tailored. And because premiums are typically paid through payroll deduction, the process is simple for employers to manage. We’ll handle the heavy lifting, from plan design to employee education and enrollment.
Can Ross Insurance Brokers help set this up?
Absolutely. We work with businesses of all sizes to design voluntary benefit packages that align with your team’s needs and budget. We take care of implementation, education, and ongoing support—so you can offer more without the administrative burden. Whether you already offer health benefits or want to start with voluntary-only options, we’ll create a solution that fits.
Do voluntary benefits work with existing health insurance plans?
Yes! These benefits are designed to fill gaps left by traditional health insurance. For example, if your medical plan has a high deductible, a supplemental accident plan could help cover the upfront cost of care. We’ll review your current benefits (if applicable) and help you find the right mix of protection for your team.
What if I can’t afford to offer full health insurance yet?
Group health insurance is often the most expensive benefit to offer—and it’s not always feasible for every small business. That’s why voluntary benefits are a smart first step. They allow you to provide real, meaningful protection to your employees without having to pay the premiums yourself.
By offering options like accident, critical illness, disability, and life insurance—at affordable group rates and payroll-deducted—you’re showing employees that you care about their well-being. Even when fully employee-paid, these benefits can have a big impact on retention, morale, and recruitment. It’s a cost-effective way to stay competitive in today’s job market, while laying the foundation for future benefit offerings as your company grows.
How do I get started with offering voluntary benefits to my team?
Getting started is easy—and we’re here to walk you through every step. At Ross Insurance Brokers, we specialize in helping small and mid-sized businesses build affordable, high-impact benefit packages that support their team and fit their budget. We’ll review your goals, explain your options in plain English, and create a tailored plan that makes sense for your business.
Whether you’re just exploring benefits for the first time or looking to enhance what you already offer, we’re here to help. Book a quick consultation with us today to see how voluntary benefits can improve your retention, protect your employees, and strengthen your company culture—all without breaking the bank.