Voluntary Benefits

Voluntary benefits offer employers the ability to enhance their existing employee benefits package without additional costs. They fill the gaps in the underlying benefits program. Gaps including; life insurance, disability insurance, deductibles, and/or even out-of-pocket expenses. Employees face these factors along with other financial risks that cannot be covered through their existing plans. An effective voluntary benefits program offers a quality, value-added solution.

Why WorkforceTactix, Inc.?

While most of the market is carrier driven, WorkforceTactix is carrier agnostic. We tailor fit our benefits programs to meet the needs of each unique employer with appropriate levels of coverage at the best costs possible.

The following is an overview listing of the most popular voluntary plans we offer.

Short term & long term disability

Group or Individual Plans, or Combination
Variety of Plan Designs
Limited Pre-Existing Conditions Benefits
Guarantee Issue
Low Participation Requirements
Base Plans & Buy Up Plans

Term life

Low Group Rates, with 5 Year Level Age Banded Premiums
Employees Leaving the Group May Convert to Universal Life Insurance or Continue Group Term Coverage
Guarantee Issue or Conditional Guarantee Issue Available for Qualified Groups
Low Participation Requirements

Critical illness

Group or Individual Plans Available
Critical Illness Lump Sums and Subsequent Critical Illness Benefits are Payable
Wellness Testing Benefit
Guarantee Issue
Benefits for Cancer, Heart Attack, Stroke, End-Stage Renal Failure, Major Organ Transplant Surgery, Heart Transplant Surgery, Coronary Bypass Surgery, Angioplasty/ Stent
Guarantee Issue Amounts Available for Qualified Groups

Long term care

Group or Individual Plans Available
Guarantee Issue Available for Qualified Groups
Carve Outs and Buy Ups Available

Universal life or whole life

Low Group Rates, Guarantee Issue or Conditional Guarantee Issue Available for Qualified Groups
Portable Lifetime Coverage at Same Rate & Benefit Amounts
Low Participation Requirements
Accelerated Death Benefits for Terminal Illness, Long Term Care and Critical Care Conditions
Cash Value Accumulation for Use in Later Years
Coverage Available for Employee, Spouse, Children and Grandchildren

Accident

Group or Individual Plans Available
24-hour Coverage or Off-the-Job Only Coverage
Benefits are Paid in Addition to all Other Insurance
Pays specific-sum benefits for dislocations, tendons and ligaments, burns, ruptured discs or torn cartilage, and eye injuries
Pays benefits for accident –related emergency treatment, follow- up care, and hospitalization and additional benefits for ambulance transportation, family lodging, physical therapy, prosthesis, appliances, and wellness screening

Hospital/Gap

Helps Pay Deductibles, Co-pays and Co-insurance
Hospital Confinement Benefits
Outpatient Benefits
Ambulance Benefits
Wellness Benefits