Voluntary Benefits

Voluntary Benefits


Disability Insurance

Benefits for total and continuous disability due to a non-occupational illness or accident. Disability income insurance is designed to protect savings and provide financial stability to cover bills during work leave. According to the Social Security Administration, almost 3 in 10 workers entering the workforce today will become disabled prior to retirement.


Permanent Life Insurance with Long Term Care

This Hybrid product offers three levels of protection-permanent life insurance, cash value accumulation and long-term care benefits. Employees cannot purchase these products on the open market and there is limited underwriting. These policies are portable upon retirement with no premium increase.

Term Life Insurance

This type of life insurance policy provides financial payout in the event of the death of the insured party. Term life insurance is sold for a “term” or period of years, after which the policy expires. It is in contrast with permanent life insurance, which guarantees coverage at fixed premiums for the lifetime of the covered individual.


Accident Insurance

Offsets the cost of unexpected and out-of-pocket bills related to accidents that occur every day. Payments are paid directly to the insured for initial care, hospital stays and follow up care related to injuries. Americans make more than 41 million ER visits per year for unintentional injuries.

Critical Illness Insurance

Pays a lump sum benefit directly to the insured upon first diagnosis of a covered critical illness, including cancer. Health insurance policies, with high deductibles, co pays and other exclusions may offer little protection during a serious illness. Critical illness insurance is designed to assist with out-of-pocket medical costs.

Associate Spotlight

Nathalie Lacouture

Account Executive, Employee Benefits Division