Supplemental Insurance — benefits that pay employees directly when standard health falls short.
Even the best group health plan leaves employees with out-of-pocket costs — deductibles, copays, lost income during recovery, and expenses insurance simply doesn't cover. Supplemental benefits like critical illness, accident, and hospital indemnity pay cash directly to employees to fill those gaps. Typically offered as voluntary benefits at little or no cost to the employer.
Critical Illness Insurance
Pays a lump-sum cash benefit directly to the employee upon diagnosis of a covered condition — cancer, heart attack, stroke, and others. The employee uses it however they need: mortgage, travel for treatment, lost income.
Learn More →02 — AccidentAccident Insurance
Pays a fixed cash benefit for injuries from covered accidents — broken bones, burns, ER visits, and follow-up care. Helps employees cover costs their health plan doesn't fully absorb without touching their savings.
Learn More →03 — Hospital IndemnityHospital Indemnity
Pays a daily or per-admission cash benefit when an employee is hospitalized — covering the out-of-pocket costs and income disruption that a hospital stay creates beyond what health insurance covers.
Learn More →04 — Cancer CoverageCancer Insurance
Specialized coverage that pays benefits throughout a cancer diagnosis — from initial detection through treatment and recovery. Covers expenses no health plan fully addresses: experimental treatment, travel, and extended time off work.
Learn More →Standard Health Insurance Has Real Limits. Supplemental Benefits Fill the Gap.
Even with a strong group health plan, employees face significant out-of-pocket exposure when something serious happens. A cancer diagnosis or a major accident can generate $10,000–$30,000 in costs a health plan doesn't cover — deductibles, out-of-network bills, lost income, and expenses outside the plan's scope. Supplemental benefits are designed specifically for these moments.