Employee Benefits
Supplemental and Voluntary Benefits
Give additional benefits a clear role in your package. Review what each option does, what it does not do, and how employees may choose to participate.
Contact UsSTART WITH WHAT MATTERS
Additional options, considered carefully.
Supplemental benefits address specific covered events. They are not a replacement for major medical insurance. Spice helps you consider their place alongside the coverage you already offer.
As an independent agency, Spice can help you compare available options and understand the details before deciding.
A CLOSER LOOK
Know what you are comparing.
Accident Insurance
Review benefits for qualifying accidental injuries. Payments, covered treatments, and exclusions depend on the policy.
Critical Illness and Short-Term Disability Insurance
Consider coverage that pays benefits after specified qualifying diagnoses. Review the covered conditions, definitions, and benefit limits. Short-term disability insurance may replace part of an employee's income during a qualifying period away from work. Review eligibility, waiting periods, benefit amounts, and payment duration.
Hospital Indemnity Insurance
Explore benefits tied to a qualifying hospital stay. Understand admission requirements, covered days, and payment limits.
Voluntary Benefits
Employees may choose additional benefits through a workplace offering. Review participation, contributions, payroll arrangements, and the options available.
Coverage, eligibility, costs, and benefits depend on the policy and carrier. Review the applicable terms and exclusions before choosing.
Explore Employee BenefitsHELPFUL ANSWERS
Questions worth asking.
Do these benefits replace health insurance?
No. Supplemental policies cover specified events under their own terms. They should be considered alongside, not as a substitute for, major medical coverage.
Does voluntary mean every employee must enroll?
Voluntary offerings generally give employees a choice. Eligibility, participation rules, and available options depend on the arrangement.
How should we choose what to offer?
Start with your workforce, existing benefits, contribution approach, and the questions employees raise. Compare the value and limits of each option before deciding.
LET US TALK
Build a clearer picture of your benefits options.
Tell us what you would like to understand or review. We will help you consider a practical next step.