Supplemental Insurance for the Workplace

Supplemental Insurance for the Workplace
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Years of Experience

Established in 1998, our mission is simple: deliver best-in-class strategies that positively impact employers and improve the lives of employees and families.

Supplemental Insurance for the Workplace

Supplemental worksite insurance is an excellent way for employees to cover gaps in existing coverage with no incremental cost to the employer.

Supplemental worksite insurance is an excellent way for employees to cover gaps in existing coverage with no incremental cost to the employer. The employee demand for these voluntary, employee paid insurance plans has seen a significant increase in recent years. Products such as accident, cancer, critical illness, short-term disability, long-term care and life insurance have become core parts of a well-rounded employee benefit package.

We will recommend the voluntary products that are best suited to meet your specific challenges. Our advisors will review insurance plans offered through a wide range of highly respected insurance companies and negotiate underwriting concessions such as waiver of participation requirements for Guaranteed Issue (no medical questions) or Simplified Issue. In addition, we will audit existing supplemental offerings and identify any policies that are considered “not permitted” under HSA (Health Savings Accounts) regulations according to the IRS.

Group Purchasing Power Provides

It is essential to have proper protection against a loss that could destroy your business. As an independent agency, our team can help you select the insurance carrier and the policies that provide the most appropriate coverage at an affordable price that will protect your business, your employees, and your customers.

Group purchasing power provides:

  • Access to individual insurance policies at low group rates
  • Favorable underwriting concessions for a less-than-favorable health history 
  • Enhanced employee benefit program with no hard-dollar cost to the company
  • Payroll taxes are reduced with pre-payroll tax deductions giving employees a tax savings​

Enrollment Oversight

Educating employees is paramount to having a successful supplemental insurance program and our dedicated GriffinEstep Worksite Enrollment Team has the knowledge, acumen and experience to successfully and patiently communicate the supplemental benefit program to your workforce.

We offer multiple enrollment platforms that assure the human resource staff they will remain in control of the process with a collaborated approach to identifying any individuals who have a tendency to “over buy”. Our method can complement an existing open enrollment or be coordinated with new hire on-boarding. We can use on-line communication technology tools for Self-enrollment or conduct onsite Enroller-assisted educational meetings. The group meetings can also serve as an excellent opportunity to review the core benefit program which reinforces your commitment to your employees.

We communicate the supplemental insurance while limiting the amount of time employees spend in meetings

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Insurance can be complex. Our team is here to provide clear guidance and personalized support.

GriffinEstep professionals are ready to put their skills and experience to work for you

Our team delivers personalized guidance, strategic solutions, and dependable support to help you protect what matters most.

Monday - Friday

09.00 am - 05.00 pm

Our objective is to find solutions quickly and easily

UBA is a partner-owned network of more than 140 premier independent advisory firms with over 200 offices across the U.S., Canada, and the U.K. Through collaboration with more than 2,200 experienced benefits professionals and access to over $16 billion in employee benefit expenditures.