Ancillary Benefits
Ancillary Benefits for Employers: Group Life, Dental, Vision & Disability Insurance
Ancillary benefits are supplemental coverages employers offer alongside a core medical plan, such as group life, dental, vision, short-term disability, and long-term disability insurance. They can be fully employer-paid, shared with employees, or offered on a voluntary basis, giving businesses a cost-effective way to build a more complete benefits package.
Today’s employees look past the health plan when comparing job offers. A strong ancillary benefits package helps you attract and keep talent, protect your team’s financial wellbeing, and stand out from competitors, often at a much lower cost than adding to your medical plan. We help you choose the right mix of coverages, compare carriers, and structure contributions so your package fits both your budget and your workforce.
Ancillary Benefits We Offer
- Group Life Insurance: Provides a financial safety net for employees’ families in the event of a death. Basic coverage is often employer-paid, with options for employees to buy additional coverage for themselves and their dependents.
- Dental Insurance: Covers preventive care, such as cleanings and exams, along with basic and major services like fillings, crowns, and orthodontics. Regular dental care supports overall health and helps catch issues early.
- Vision Insurance: Helps employees pay for eye exams, glasses, and contact lenses. Routine eye exams can also flag broader health conditions before they become serious.
- Short-Term Disability Insurance: Replaces part of an employee’s income when an illness, injury, or recovery from childbirth keeps them out of work for a short period, typically a few weeks up to several months.
- Long-Term Disability Insurance: Replaces part of an employee’s income when a serious illness or injury keeps them from working for an extended period, often after short-term disability benefits end.
Who Are Ancillary Benefits Right For?
Ancillary benefits are a fit for employers of nearly any size who want to round out their benefits package, improve recruiting and retention, and give employees more financial protection without significantly increasing costs.
Important Benefits of Offering Ancillary Coverage:
- Strengthen recruiting and retention
- Offer flexible funding options, from fully employer-paid to voluntary
- Protect employees and their families from unexpected financial hardship
- Build a more competitive package at a lower cost than medical coverage
- Offer group rates that are often lower than individual coverage
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Ancillary Benefits FAQs
Ancillary benefits are insurance coverages offered in addition to a core medical plan. Common examples include group life, dental, vision, short-term disability, and long-term disability insurance. Employers can pay for these benefits, share the cost with employees, or offer them as voluntary benefits that employees pay for themselves at group rates.
Short-term disability replaces part of an employee’s income for a limited time, usually a few weeks to several months, after an illness, injury, or childbirth. Long-term disability covers longer absences and typically begins after short-term benefits run out. Many employers offer both to give employees continuous income protection.
Voluntary benefits are coverages offered through an employer but paid for by employees, usually through payroll deductions. They let employers expand their benefits package at little or no cost, while employees get access to group rates and convenient enrollment.
Yes. Many ancillary coverages, especially dental, vision, and life insurance, are available to small groups, sometimes with just a few employees. Offering them on a voluntary or shared-cost basis makes it easier for small businesses to compete with larger employers for talent.
