Overview
If customization is more your speed, you can use Clark & Lavey to make voluntary benefits programs available to your employees. These can be offered on a payroll deduction basis.
With voluntary benefits, you can "buy up" from a basic level of group benefits. Your employees choose those particular benefits that they want. Different things are important to different people, and different people also have different needs. Some employees may want dental, some may want a more comprehensive life insurance policy, and some may want long-term care.
Under a voluntary benefits program, certain participation levels must be met. However, there are better premiums available than there would be on an individual basis, and the enrollment process can be taken care of with ease. Minimal, or, at the very least, less complicated medical underwriting is available than with individual plans.
Employees have the option of taking their plan with them if they leave an employer, and can also purchase or increase coverage. The employer gains respect because they are offering something to their employees that they normally wouldn't have.
Overview
