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Voluntary Benefits

Beyond Traditional Health Benefits

Employee Voluntary Benefits (sometimes referred to as ancillary or secondary benefits) help employers offset rising benefit costs, while simultaneously enhancing the benefit offering.  Often referred to as worksite benefits, voluntary benefits are insurance policies that add additional coverage to the employer sponsored benefits, but are paid for by the employee.  Even though these benefits are paid for by the employee, our clients are often surprised by how much employees still appreciate them.  That’s because when designed and communicated properly, employees realize a sense of financial security and overall well-being with access to additional individual coverages they can obtain at low group rates, and through convenient pre-taxed payroll deductions.

We’ll help your business implement all of some of the following voluntary benefits at little or no cost.


ABA has partnered with freshbenies, a discount program for employers that offers the following programs to help employees control costs and have more access to health care.

  • Telehealth

    On demand healthcare via phone to treat common medical issues.

  • Doctors Online

    Medical advice from 24 different types of medical doctors.

  • Employee Advocacy

    Professional assistance with medical bills and claims.

  • Medical Discounts

    Discounts on various medical services, supplies, and procedures.

  • Legal Savings

    Available as an Add On. Discounted legal services and advice from top legal profesional network.

  • Caregiver Support

    Available as an Add On.Access to support and healthcare coaching through secure portal.

  • Pet Care Savings

    Available as an Add On.Save on vet costs, and other supplies/services for your pets.

  • LifeLock

    Available as an Add On.Access to identity theft professionals to help prevent indentity fraud or restore your reputation.

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Disclaimer:  Some voluntary benefits and programs, including the freshbenies discount card program is NOT insurance, is not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act.

Term Life Insurance

This type of life insurance does not build any cash value.  However, it will pay a set amount to the named beneficiary upon the death of insured within the stated term.  Additionally, some policies may also make payments upon terminal or critical illness.

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Accident Insurance

Accidents can happen anytime.  Thus, Accident insurance helps to protect employees from financial hardship due to a great deal of medical and out-of-pocket expenses that follow accidental injuries. For example, emergency treatment, hospital stays, medical exams, transportation and lodging needs are just a few of the expenses that accident insurance can help cover.  In fact, some policies can even pay benefits in as little as one day, based on time of claim submission.

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Dental & Vision Plans

Dental Plans
Regular dental exams help employees stay healthier and more productive in the work place. Simple routine visits to the dentist, which are usually covered 100% by insurers, help to detect serious underlying conditions such as heart disease and diabetes. The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world.

Dental Plans offer a variety of diagnostic, preventative care and corrective services including cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.

Vision Plans
Similar to dental policies, vision plans are inexpensive and save money on eye and vision related healthcare services.  This includes routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts.  An eye exam also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

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Disability Insurance

National surveys have shown that Short Term Disability and Long Term Disability remain of high importance for most employees. Thus, savvy employers attract and retain top talent by offering both STD and LTD insurance as part of the employer paid benefit package.  Additionally, an employer can offer Disability as a voluntary (worksite) benefit. Here’s how Disability plans typically work.

Short Term Disability
During the time an employee is unable to work due to a qualifying disability (illness or injury), STD generally allows for income payments to the employee to begin after about a two-week waiting period.  Accordingly, the payments will continue to pay the employee until he/she recovers or maxes out the benefits.  Thus, this time period is usually anywhere between one month to two years, depending on the policy.

Long Term Disability
During the time an employee is unable to work due to a qualifying disability (illness or injury), LTD generally allows for income payments to the employee to begin after about a 90-day waiting period.  However, it could be much longer depending on the policy.  The policy will pay the employee far longer than STD–for a few years, up to age 65, or even for life.

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Critical Care Plans

Surviving critical illness is becoming increasingly common with the advances in modern medical technology.  This special type of coverage can help reduce the personal financial impact of the cost of fighting the disease.  Additionally, it will help keep  up with everyday bills through that process.

Some key features:

If you have a health insurance plan and/or disability insurance, a Critical Care Plan or Cancer Plan will provide benefits in addition to your other coverage.

-Lump-sum cash benefit paid directly to you.
-You decide how best to spend your payment.
-No network restrictions.
-Benefit level choices to fit your needs and budget.
-Simple plan options for your needs and budget.

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Hospital Idemnity Plans

Unlike a traditional major medical plan that reimburses you or pays directly to a provider for approved hospital stays and medical care, a Hospital Indemnity Plan pays a lump-sum payment directly to the insured.  The cash payment helps with out-of-pocket expenses and covers your employees when they are off work due to a hospital stay.  The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected.

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