Voluntary Benefit policies are different than major medical – they are focused on you, not the doctors or hospital.. Voluntary Benefits Pay YOU cash when you or a family member has an injury or illness. Benefits help fill the gap between what health insurance pays and where your out-of-pocket expenses begin.
Plan options include: Life Insurance, Disability, Accident Indemnity Plans, Critical Illness and Cancer plans, Hospital Indemnity Plans, and Telemedicine.
As an independent consultant, we work with several carriers that offer voluntary benefits. This allows us to be a true voluntary benefits advisor to you and your employees. We will work with you to find the carrier that matches your business and needs.
Firmin Insurance & Benefits conducts employee benefit education, the open enrollment process, and ongoing client service and claims assistance.
This means there truly is no cost to your organization to offer voluntary benefits. Benefits are employee paid through payroll deduction. And all administration of the plan and benefits is handled by Firmin Insurance & Benefits.!