Many employers prefer to expand their benefit package as a way of increasing the overall compensation offered to employees. Costs and coverage details vary widely by product, but some of the most popular are as follows:
 
SHORT TERM AND LONG TERM DISABILITY
Disability insurance helps protect an employees' earnings in case an accident or health issues force the worker off the job.
 
GROUP TERM LIFE INSURANCE
A cost effective type of term life insurance where the group is accepted as a whole without individual underwriting. 
 
GROUP LONG TERM CARE INSURANCE
Long term care insurance is growing in popularity as the cost of attended care facilities rise.  The coverage pays directly for a caregiver.
 
VOLUNTARY BENEFITS
Voluntary benefits are the most cost effective, and most overlooked, benefit enhancement program available today. These are programs available to employees thru payroll deduction (100% employee paid) that are unavailable individually on the same favorable basis. They include life insurance, non-qualified retirement plans, supplemental income programs, legal expense plans, dental and disability insurance.