Voluntary Benefits for Happy Employees

A good benefits package helps you bring in top talent, keep your best people, and give your team peace of mind. Worksite makes it simple for small and medium businesses to offer voluntary benefits that are both helpful and flexible. These options let employees protect their health, income, families, and finances, without putting all the costs on employers.

Better Benefits for Everyday Life

Voluntary benefits let employees choose the coverage that best suits them, such as dental and vision care, life insurance, disability, legal assistance, identity theft protection, and assistance with unexpected medical bills. Because employees pay for these benefits, employers can offer more support without much extra expense.

At Worksite, we make everything easy, from signing up to ongoing support. This way, your benefits package is helpful, personal, and simple for employees to understand and use.

Eligibility and Enrollment

Full-time employees who work at least 25 hours a week can usually enroll in additional benefits. Coverage usually starts on the first day of the month after 60 days. Eligible dependents may include a legal spouse, a domestic partner, or dependent children, with age limits varying by benefit.

Full-time employees working 25+ hours may be eligible
Coverage starts on the first of the month after 60 days
Many dependent children are covered through age 26
Changes usually require open enrollment or a qualifying life event
Qualifying changes must be reported within 30 days
In-network providers are strongly recommended

Available Voluntary Benefits Plans

Dental Coverage

Dental coverage from Ameritas and MetLife offers both low- and high-PPO options. It fully covers preventive care and offers strong benefits for basic services like fillings and major work like crowns. The plan also includes extra ways to save money.

Dental coverage is a great option for employees who want dental coverage plus savings on hearing and vision care.

Low and high PPO plan options
Preventive care is covered at 100%
Annual maximums range by per person depending on plan selection
Coverage for fillings, extractions, crowns, dentures, and more
Child orthodontia coverage is also available
Employee-only rates start at low rates
Basic and major restorative services included

Vision Coverage

Worksite’s vision plans with MetLife and Ameritas cover yearly eye exams and help pay for glasses or contacts. These plans help employees save money and maintain their vision.

MetLife Vision includes a yearly eye exam
MetLife offers a set frame allowance
MetLife and Ameritas both use the VSP Choice Network
Ameritas Vision includes an annual exam and glasses or contacts every 12 months
Ameritas offers credit for frames in-network

These plans help lower everyday eye care costs and support employees’ vision health.

Term Life and AD&D

Supplemental Term Life and AD&D provide financial protection. Employees can cover themselves, their spouses, and their children. AD&D matches the life coverage amount and provides additional protection in the event of accidental death.

Employee life coverage in $10,000 increments
Spouse coverage in $5,000 increments
Child coverage is a flat $10,000
AD&D matches the elected life amount
Includes will preparation services
Proof of good health may be needed after first eligibility

This coverage gives employees an easy way to protect their families financially and plan with confidence.

Accident Insurance

Unexpected injuries can lead to extra bills. MetLife Accident Insurance pays cash benefits directly to employees after a claim is approved, helping cover out-of-pocket costs for treatment and recovery.

Low and high plan options available
Pays benefits for fractures, burns, dislocations, concussions, and more
Includes ambulance, emergency care, follow-up visits, therapy, and surgery benefits
Cash benefits are paid directly to the employee

Accident coverage helps with costs like medical bills and lost pay if an injury disrupts daily life.

Hospital Indemnity

Even with health insurance, a hospital stay can still result in high out-of-pocket costs. Hospital Indemnity pays a set cash benefit directly to employees for each covered stay.

Low and high plan options available
Admission benefit of $500 or $1,000
ICU admission benefit is paid in addition to the standard admission
Daily confinement benefit of $100 or $200
ICU daily benefit available for up to 15 days per year

This coverage helps employees pay out-of-pocket costs, such as deductibles and co-pays, during a hospital stay.

Critical Illness Coverage

MetLife Critical Illness pays a one-time cash benefit to employees diagnosed with a covered major illness, helping ease financial stress.

Coverage available in $15,000 or $30,000 amounts
Pays benefits for cancer, heart attack, stroke, and more
Includes kidney failure, Alzheimer’s disease, and major organ transplant
Covers 22 additional listed conditions at 25% of the initial benefit
Spouse and child coverage may also be elected

This benefit lets employees focus on recovery rather than worry about money after a serious illness or injury.

Short-Term Disability

Short-Term Disability replaces part of an employee’s income if a covered illness or injury keeps them from working. This support can make a big difference when regular bills still need to be paid.

Pays 60% of pre-disability weekly earnings
14-day elimination period for injury
14-day elimination period for sickness, including pregnancy
Rates are based on age and the covered weekly benefit
Pre-existing condition limits may apply

Short-Term Disability covers part of your income if you miss work due to illness or injury, helping support your family’s finances while you recover.

Long-Term Disability

Long-Term Disability replaces part of an employee’s income if a covered disability lasts more than 90 days. It helps cover monthly bills and provides peace of mind during a serious illness or injury.

Pays 60% of pre-disability monthly earnings
$5,000 maximum monthly benefit
180-day elimination period
Designed to help protect your paycheck during a long-term disability

For employees planning for long-term financial security, Long-Term Disability is an important part of a strong benefits package.

Identity and Fraud Protection

MetLife Aura Identity and Fraud Protection helps employees protect their identity, money, and devices in one place. It includes monitoring tools, digital security features, and support in the event of fraud.

Dark web and identity monitoring
3-bureau credit monitoring and alerts
Password manager, VPN, antivirus, and safe browsing tools
Financial account, title, and transaction monitoring
Lost wallet protection and fraud resolution support
Family plans include child safety features
$5 million insurance policy per enrolled adult

This benefit provides protection and peace of mind against new online and financial threats.

Legal Plan

MetLife Legal gives employees, spouses, and dependents affordable access to lawyers and online resources for everyday legal needs.

Covers the employee, spouse, and dependents
Unlimited phone and office consultations for personal legal matters
Employees can use an attorney of their choice
Includes estate planning, family law, immigration, elder law, real estate, and more
Includes document review and online resources

This plan makes it simple and affordable to get legal help for everyday issues.

Pet Insurance

MetLife Pet Insurance helps employees protect the pets they love with flexible coverage for accidents, illnesses, and everyday care.

Varies based on coverage and pet
Visit any licensed veterinarian, specialist, or emergency clinic in the U.S.
Family plans can cover up to three dogs and cats under one policy
No breed exclusions
Includes coverage for accidents, illnesses, congenital and hereditary conditions
Optional preventive care coverage available for routine wellness expenses
24/7 telehealth access and easy claims management through the MetLife PetMobile App
Premiums are direct billed and portable if employees change jobs or retire

This plan gives pet owners peace of mind and helps make veterinary care more affordable and accessible.

CommuteGuard

CommuteGuard provides employees with practical roadside, repair, and caregiving support for everyday vehicle and commuting challenges.

Covers every car in the employee’s household
24/7 roadside assistance available by phone or app
Includes towing, jump-starts, lockout service, flat tire help, and emergency fuel delivery
Up to $1,000 per year in car repair savings
Includes a 50% repair reimbursement up to $500
Members can submit up to two repair claims each year
Includes Uber and Lyft reimbursement while a car is in the shop
Up to $250 annually toward rental car costs
Discounts available through national rental car providers
Access to pre-approved backup caregivers for children, elderly family members, and pets
Benefit can be added through payroll deduction

This benefit helps employees handle unexpected car trouble and everyday disruptions with practical support they can use right away.

Why Business Owners Choose Worksite for Voluntary Benefits

Voluntary benefits help employees protect what matters most and allow employers to offer better packages without covering all the costs.

Worksite helps employers compare, enroll, and support employees with valuable benefits like dental, vision, life, disability, legal, and identity coverage.

Ready to Build a Better Benefits Package?

If you want to offer voluntary benefits that give your team more choice and peace of mind, Worksite can help. Whether you are adding benefits for the first time or improving your current package, we can help you find the best options for your business.

Fill out the form to schedule a meeting with a Worksite consultant, or call us to get started.