Voluntary Benefits

What are voluntary benefits?

Voluntary benefits, also known as supplemental benefits, are services or products offered by employers to their workers, often at discounted rates, as a perk of employment. The main purpose of voluntary benefits is to help pay for out-of-pocket expenses that major medical and other insurance don't cover, as it is used to meet a diverse range of needs.



As implied by the name, participation in voluntary benefits is optional but employers use voluntary benefits to attract and retain talent. Some companies, like CRJ Insurance, allow consumers to directly purchase voluntary benefits outside of the employer sponsored benefit ecosystem.

Types of Voluntary Benefits

There are many types of voluntary benefits available today and they fall under these major categories (products/services with an * are available with CRJ Business Solutions):

• Health and Wellness
• Accident insurance*
• Disability Insurance*
• Critical illness insurance*
• Cancer insurance*
• Life insurance*
• Hospital indemnity insurance*
• Vision insurance
• Dental insurance
• Financial Wellness
• Mortgage protection insurance*
• Financial counseling
• Student loan repayment programs
• Personal/Miscellaneous
• Pet insurance
• Travel insurance
• Employee Assistance Programs (EAPs)
• Legal counseling
• Discounted goods and services
• Security
• Homeowners insurance
• Identity theft protection

Why are voluntary benefits important?

Voluntary benefits are important for important for consumers for the following reasons:

• Closes the gaps between standard insurance coverage and additional needs
• Relieves the rising cost of healthcare
• Decreases time away from work as these types of benefits are designed to help people stay healthy and provide for their families

The CRJ Business Solutions Difference

At CRJ Business Solutions, we specialize in health and wellness, as well as financial wellness voluntary benefits categories. Our products and services can be purchased individually or at the group/business level. We believe these types of benefits provide an additional layer of protection for unexpected out-of-pocket expenses that are not usually covered my major insurance, like medical insurance.

We love voluntary benefits because they can be customized and tailored to the specific needs of a person or business, no matter which vocation, stage of life, stage of business, location or lifestyle. For individuals, you can purchase voluntary benefits directly from us to give you additional protection not offered at your workplace. For employers, voluntary benefits are a great way to attract and retain talent to help your business grow!

We know how important flexibility is to our clients so we want to make sure the products we sell are flexible as well, while offering the maximum protection and value possible.