An illness, accident or death can turn lives upside down. Voluntary benefits can help ease the difficulty of such major events by helping protect employees against the negative impacts to their income, assets, and lifestyle -- without adding direct costs to employers.

Through voluntary benefits, employees have flexibility and an opportunity to custom-design their benefits program to meet their lifestyle needs. For employers, voluntary benefits can be a prudent way to shift claims liability from experience-rated group benefit plans to pooled or guaranteed renewable type benefits. Voluntary benefit plans can save employers valuable premium dollars by shifting risk exposure to non-participating rated plans, while offering employees flexibility and choice.

CBG offers voluntary benefits designed to help employers provide employees with individual, competitive benefits that can either by paid for entirely by employees through payroll deduction or paid for by both the employer and employees, through shared costs.
 

• Accident plans
• Cancer plans
• Critical Illness plans
• Dental plans
• Disability plans
• Hospital Income plans
• Life Insurance
• Pre-Paid Legal plans
• Vision plans