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810-230-1266
Location
2357 Stonebridge Dr. Flint, MI 48532

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Voluntary Benefits

Home > Voluntary Benefits

Voluntary Benefits

Richer benefits without a bigger budget

Voluntary benefits are optional, employee-paid coverage offered at group rates through payroll. They round out your package, fill the gaps your health plan leaves and give employees real choice, at little or no cost to the company.

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Higher deductibles leaving gaps?

Fill the gaps

Accident, hospital and gap plans pay cash toward deductibles, copays and bills at home.

Losing candidates to bigger companies?

Compete for talent

Offer a package that stands next to larger employers without their price tag.

Every employee needs something different?

Let them choose

A new parent and someone near retirement can each pick what fits their life.

Budget already stretched?

Little or no cost to you

Employees pay through payroll at group rates. Many plans can be pre-tax.

A Real-Life Example

A broken ankle on a Saturday

An employee slips on the ice and ends up in the ER. Their health plan does its job, but after the deductible and coinsurance they still owe thousands.

With an accident plan, the employee gets cash for each part of the care, paid directly to them. They can use it on medical bills, groceries or the mortgage while they recover.

Illustration · Accident plan
Employee's share after the health plan$2,800
Accident plan pays the employee
Emergency room visit$150
X-rays$100
Fracture (ankle)$1,500
Crutches$100
Follow-up visits (2)$150
Physical therapy (6 visits)$300
Cash benefit to the employee$2,300
Left to cover$500

Hypothetical example for illustration only. Actual benefit amounts depend on the plan, carrier and coverage level chosen.

The Options

Three kinds of coverage, each employee's choice

You pick the menu. Your employees pick what fits their lives. Most companies start with a few favorites and add more over time.

Health

What if the medical plan doesn't cover it all?

5 options
  • Dental & VisionCleanings, exams, glasses and contacts, paid by the employee.
  • AccidentCash after a covered injury, like a broken bone or an ER visit.
  • Hospital IndemnityA set amount for each covered hospital stay.
  • Critical IllnessA lump sum after a covered diagnosis like cancer, heart attack or stroke.
  • Gap InsuranceHelps with the deductible and out-of-pocket costs of the medical plan.

Financial

What if a paycheck stopped?

4 options
  • Term LifeAffordable coverage for a set period, often for spouses and children too.
  • Permanent LifeLifelong coverage that builds cash value and goes with them.
  • Short-Term DisabilityReplaces part of a paycheck during a shorter illness or recovery.
  • Long-Term DisabilityIncome protection when an illness or injury lasts months or longer.

Lifestyle

What about life outside of health?

4 options
  • Identity ProtectionMonitoring, alerts and help restoring accounts after fraud.
  • Legal PlanAccess to an attorney for wills, real estate and everyday legal needs.
  • Wellness ProgramsGym memberships, stress management and preventive screenings.
  • Pet InsuranceHelp with vet bills for the four-legged members of the family.

How It Works

Easy to offer, easy to enroll

We handle the setup and the explaining. Your part is mostly choosing what to offer.

01

Choose the menu

We look at your workforce and recommend a short list of options that fit.

02

Explain it in person

We meet with employees on-site or virtually and walk through each option in plain English.

03

Enroll

Employees sign up online through Employee Navigator or with us in person.

04

Payroll & support

Premiums come out of each paycheck. Many plans go with employees if they leave.

Questions

What employers ask us about Voluntary Benefits

Usually little or nothing. Employees pay their own premiums through payroll deduction at group rates. Some employers choose to contribute toward certain plans, but it isn’t required.

No. Most companies start with a few of the most popular plans, like dental, vision and accident, and add more over time. We’ll help you pick a starting menu that fits your team.

Many voluntary plans are portable, so employees can often keep coverage if they change jobs or retire by paying the premium directly. Portability depends on the plan and carrier.

Some carriers require a minimum level of participation, which varies by plan. We’ll tell you up front what each option needs, so there are no surprises.

We do. Employees can call us for help with claims and questions all year, not just at enrollment.

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Give your team more to choose from.

Tell us about your company and your people. We’ll recommend voluntary benefits that fit and show you what they’d cost employees. No obligation.

  • A short list of options suited to your team
  • Sample payroll costs for each option
  • In-person or virtual enrollment meetings
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810-230-1266

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Security First Benefits Corporation

2357 Stonebridge Dr.
Flint, MI 48532

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“Send us a note about your coverage, your employees or your options, and a licensed advisor will get back to you.
We do not offer every plan available in your area. Currently we represent [#] organizations which offer [#] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© 2026 Security First Benefits Corporation. All rights reserved.

GENERAL DISCLAIMER:

 
Security First Benefits Corporation is a licensed insurance agency authorized to market Medicare plans. This is a solicitation for insurance, and a licensed agent may contact you after you request a quote. Benefit information is a brief summary, not a full description of benefits; contact the plan for details. Limitations, copayments and restrictions may apply. Security First Benefits Corporation is not connected with or endorsed by the U.S. government or the federal Medicare program.

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