Voluntary Employee Benefits
Offer Employee Benefits at No Cost to Your Business.
Provide employees with access to valuable, affordable benefits that help protect their health, finances, and future.
Why Partner with LaborisOne
- Specialty Benefit Programs Developed for Clients
- National Carrier Access with Volume Leverage
- Streamlined Enrollment and Administration
- Return of Premium – Wellness Benefits Offset Premium Costs
01 · Coverage
Accident & Cancer Coverage*
Support when unexpected injuries or serious illness disrupt everyday life
Accident Insurance*
Construction employees face high likelihood of accidents outside of what Workers’ Compensation would cover.
So, Accident insurance is a smart choice, which pays cash for covered injuries such as fractures, concussions, emergency room visits, hospital stays, and follow-up care.
Policy Quick Facts
- No health questions and simplified claims process
- Up to $200 per year wellness benefits payable for each family member (not just employee)¹
- Portable and renewable, with no medical underwriting generally required at initial offering
Benefits are paid directly to the employee and can be used for any purpose—medical bills, rent, groceries, or lost wages.
Coverage highlights*
- No health questions and simplified claims process
- Supplemental coverage that complements your health insurance to cover out-of-pocket expenses for injuries, such as cuts, broken bones, concussions, and related expenses
- Employees are paid a cash benefit based on the amount listed for each covered benefit and / or treatment
- Up to $200 per year wellness benefits payable for each family member (not just employee)¹
- Wellness benefits payable for annual physical, dental cleaning, vision exam, among others
- Portable and renewable, with no medical underwriting generally required at initial offering
Cancer Insurance*
Protection during a serious diagnosis
Cancer treatment can extend over long periods of time, and even comprehensive health plans often leave employees responsible for significant expenses.
Supplemental cancer coverage helps employees focus on recovery instead of finances by providing lump-sum and ongoing benefits for diagnosis, treatment, hospital confinement, medications, transportation, and recovery care.
Policy Quick Facts
- Lumpsum benefit up to $15,000 payable upon initial cancer diagnosis
- Funds are paid directly to the employee
- Portable and renewable, with no medical underwriting generally required at initial offering
Coverage highlights*
- Supplemental coverage to offset direct and indirect expense associated with cancer
- Funds are paid directly to the employee
- Lumpsum benefit up to $15,000 payable upon initial cancer diagnosis
- Additional benefits payable for hospitalization, surgery, radiation, chemotherapy and much more
- Up to $100 per year wellness benefits payable for each family member¹
- Wellness benefits payable for cancer screening tests among others
- Portable and renewable, with no medical underwriting generally required at initial offering
02 · Coverage
Life With Long-Term Care Rider*
Long-term security that protects today while planning for tomorrow’s care needs
Life With Long-Term Care Rider*
Long-term care costs can be a huge financial burden for everyone involved.
Combining Permanent Life insurance with Long-Term Care benefits can help protect your employees’ families, and their lifestyles should something happen to your employees.
Policy Quick Facts
- Life insurance up to $100,000 issue
- Living Benefit rider provides benefits payable for “Long-Term Care” type situations up to $200,000
- Employees gain lifetime protection they can keep even if they leave your business
This can offer significantly more value for little additional cost than when purchased separately.
The coverage can be used for nursing home care, home health care, or adult day care.
Coverage highlights*
- Employees gain lifetime protection they can keep even if they leave your business
- Life insurance up to $100,000 issue
- Living Benefit rider provides benefits payable for “Long-Term Care” type situations up to $200,000
- Double the Life insurance face amount (based on state eligibility)
- Must be unable to perform 2 activities of daily living
- Your employees do not have to be under the care of a “professional”, nor must be confined to a facility
- Employees can access benefits if they are at home being taken care of by a family member
- Portable and renewable, with no medical underwriting at initial offering
¹ Offering is based on state approval. For the most accurate details, please refer to the relevant insurance policy and its coverage terms and conditions, as coverage, exclusions, and conditions vary by policy type, insurer, and jurisdiction.
*COVERAGE DISCLAIMER: These statements do not amend, modify, or supplement any current or future insurance policy. They are not a guarantee of savings or services. All clients and coverages are unique. Your results can and will vary. Coverage and riders may vary based on state. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy controls and takes precedence. Consult the actual policy or the broker of record through us (or directly) for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.
*GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, LaborisOne, Inc., provides no warranty as to their accuracy. Information on this website is general information only and is not a quote from us or a broker. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites, brokers or vendors are provided as a convenience only. We have no control over those sites, brokers or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those websites/vendors/brokers. LaborisOne is an independent licensed insurance agent.