Term & Voluntary Plans (individual and group):

Often, an employer recognizes the need for employees to have additional insurance and/or access to other insurance plans. However, due to budget restrictions, the employer cannot contribute to additional benefit plans. Thus, voluntary plans, via payroll deduction, are increasingly becoming a major part of a total benefit package. Voluntary plans often make-up some of the choices available in the "Flexible Benefit Plan" design's. In addition to the employer's core benefits, employees' specific needs may be met by offering a variety of supplemental benefits without incurring additional cost or unnecessary administrative expense. TGIS assists employers in identifying the right products and the most efficient enrollment process. The use of voluntary plans helps the employer round out the corporate benefit portfolio for employees without incurring additional expenses. Some of the voluntary plans might include:

  • Disability or disability "buy-up" for both long-term and short-term disability
  • Supplemental life and/or accidental death plans
  • Dental plans, if not part of the basic employer-sponsored plan design
  • Home owners and automobile insurance via payroll deduction
  • Legal insurance
  • Eye care
  • Section 125, flexible spending accounts for medical and dependent care