Benefit Specialists of NY

Voluntary Benefits

Companies may vary in the range of employee benefits they can offer, but one thing is universal: the desire to attract and retain the best employees. In fact, the best and the brightest expect your best; offering voluntary benefits is a no-cost (to the employer) benefit that shows you are thinking about their well being, and that you care about them.

Voluntary benefits are group benefits a company makes available to employees. They are paid for 100% out of pocket by employees, but they can offer inexpensive and considerable added value to their benefits package, and give them an extra measure of security. Payment of premiums by the employee is made easier through payroll deductions.

We offer:

Voluntary Health
Voluntary Dental
Optional Life Insurance
Voluntary Short-Term Disability
Voluntary Long-Term Disability

With voluntary benefits, participation requirements usually apply. Successful programs involve effective communication from employer to employee, and mandatory attendance at enrollment meetings hosted by your Benefit Specialists of NY representative/carrier representative.

Contact a Benefit Specialists of NY representative today to get answers to your voluntary benefit questions, or give us a call and discover the difference that personal service makes.

Voluntary Health
Allows employees (at their own cost) to purchase health insurance at group rates through payroll deduction. Not all health plans are available on this basis and participation requirements may apply.

Voluntary Dental
Allows employees (at their own cost) to purchase dental insurance at group rates through payroll deduction. Not all dental plans are available on this basis and patricipation requirements may apply.

Optional Life
Allows employees (at their own cost) to purchase life insurance at group rates (age-banded) through payroll deduction. A level of insurance is available on a Guaranteed Issue basis (no medical underwriting) whereas over that level it is subject to Evidence of Insurability. Coverage may also be available for spouses and dependents. Participation requirements apply.

Voluntary STD
Allows employees (at their own cost) to purchase supplemental short-term disability at group rates through payroll deduction. Participation requirements apply.

Voluntary LTD
Allows employees (at their own cost) to purchase supplemental long-term disability at group rates through payroll deduction. Participation requirements apply.