Additional Coverage

Life comes with unexpected circumstances. Your employees will feel more confident knowing there is a plan in place for themselves and/or their families under unforeseen circumstances. We have options available to help you take care of your team.

Vision care

Add coverage for your employees’ contact lenses, glasses or laser eye surgery.

Short-Term Disability

Short Term Disability provides employees with protection against short-term loss of income due to injury or illness.

Group Critical Illness

Critical Illness insurance pays out a lump sum (minimum $10,000) for employees diagnosed with a serious illness covered by your plan. Critical illness under our employee health benefits plan includes coverage for 24 illnesses.

Health Spending Account

A Health Spending Account (HSA) or Health Care Spending Account (HCSA) is an account that can be used to pay for medical and dental expenses that are not eligible under your current employee health benefits program. It can also be used when employees exceed the annual limits of your existing program.

How Optional Benefits Strengthen Your Plan

Optional coverages help employers:

• Customize their benefits for different employee groups
• Offer higher-value packages that support retention
• Provide wellness‑focused supports that improve productivity
• Address diverse needs across multi‑generational workforces

These flexible additions allow employers to remain competitive while ensuring employees feel supported, valued, and able to access the care they need.

To explore options or tailor a plan for your team, please contact us.