Voluntary Benefits

C.M. Smith can help you offer employee-pay-all voluntary benefits that are growing in popularity with employees. Coverage includes:

  • Identity theft
  • Life insurance - universal life, term life and whole life
  • Disability insurance - short and long-term
  • Legal plans
  • Dental insurance
  • Specified disease insurance - cancer and critical illness
  • Hospital indemnity plans - medical supplements
  • Long-term care insurance

Voluntary benefits can add valuable fringe benefits to help you attract and retain employees. These products can help you stay competitive with other companies who provide them.

Studies have shown that employees don't expect their employer to subsidize all benefits, but employees do wish that employers would offer a broad menu of voluntary products and programs which would help address family and personal needs.

Let C.M. Smith help you find your competitive edge in this market by adding 100% employee paid products to your company's offerings.