The Advantage of Voluntary Benefits Benefit Communications Benefit Enrollment Services Voluntary Employee Benefits

Join the VCS Business Services mailing list Email: Can you… …Expand your employee benefit offerings, but still save costs? …Help your employees appreciate and understand their benefits package? …Streamline your benefits enrollment process …Simplify your benefits administration, before, during and even after the enrollment? …Help your employees pay for what their health insurance won’t? You Can. What if someone told you that one could secure all of these services from one solid market leader, at no direct cost to you? It is possible. Let us show you how to put our powerful benefits solutions to work for you. What Can Voluntary Benefits Do for You? Voluntary benefits create a win-win situation for both employers and employees. They help employers expand their employee benefits program and provide the employees the flexibility they want in their benefits package. What are Voluntary Benefits? Voluntary benefits may or may not be insurance products. Sometimes they are also referred to as supplemental benefits. These benefits are offered in addition to an employer’s core or standard benefits. Employers can offer core benefits plus a menu of voluntary benefits to give their employees an enhanced benefits program. Employees can then create a benefits package that meets their specific needs. Once an employee selects any voluntary benefit, they agree to have the cost of the benefits deducted from their paychecks. Additional Advantages of Voluntary Insurance Benefits In addition to choice and affordability, voluntary insurance offers the following features Flexibility in using claim payments. You can use claim payments any way you wish. Payments can be used to pay deductibles, co-payments, coinsurance and other non-covered costs associated with unexpected accidents or sicknesses. These claim payments can help with the unexpected expenses that may result from these accidents or sicknesses. • Portability. If you leave your employer, you can take your individual voluntary coverage with you – unlike most group insurance products. Most policies are individual rather than group; therefore, you can keep coverage when you change jobs or retire, as long as you keep paying the premiums and do not exceed any maximum age limits. • Intact coverage. The provisions of an individual voluntary policy don’t change when you leave a job, whether the move is made voluntary or not. As a policyholder, you maintain the same protection and coverage whether you are employed or not. • Continued Convenience. Many employees especially appreciate the convenience of paying for their voluntary benefits through payroll deduction – there are no checks to write and no premium payment deadlines to remember. If you leave your job, you can usually continue that convenience simply by changing the payment method to direct bill. Do Your Employees Understand and Appreciate What You Do For Them? What your employees don’t understand can hinder your ability to attract and retain quality employees. Thorough benefits communications help your employees not only understand their benefits, but appreciate the contributions your company makes for them. Best of all, in most cases, we handle the enrollment communication and enrollment details for you. By simply allowing us to enhance your benefits package with Voluntary Benefits, we will provide our communication services – at no direct cost to the employer. Pre-Enrollment Communications help employees better understand their benefits. • Custom Enrollment Materials – Announcement letters and fliers, PowerPoint or laptop presentations, brochures, e-mail communications, posters and tent cards designed to fit your company’s enrollment needs. • One-on-One Meetings – Enable each employee to confidentially review his or her current benefits, consider new options and most important – see how those options will affect their paycheck. Trained representatives will meet individually with employees to review available benefits in a way that is easy to understand, review their own personal benefits situations, and enroll them utilizing laptop technology. Do You Want to Streamline Your Benefits Enrollment Process? VCS Business Services represents a company that can relieve your company of what can be a time-consuming and complicated process, and tailor the services to suit your enrollment needs and employee work schedules. Convenient, Electronic Enrollment Services – Including laptop, web-based and core enrollment capabilities that provide a variety of options. Employees can enroll in the way that is most convenient and beneficial to them. Professional, Trained Enrollers – To promote quality, consistent enrollment communications, regardless of the size of your company or the number of your employees. Our enrollers are certified in communicating core and voluntary benefits. By packaging with our voluntary benefits, at no direct cost to the employer, we will provide: • Personal Salary Illustrations • Individual Benefit Statements • Enrollment Election Forms • Trained Enrollers • Access to CCH HRAnswers Now web site • Dedicated Service Team There are many voluntary products available that may address the various needs of employees. With VCS Business Services’ assistance, employers can offer a large portfolio of products or simply add 1-2. • Disability Insurance – helps protect your most valuable asset: your income. This insurance replaces part of your income if you become disabled due to a covered injury or illness • Life Insurance – complements employer-provided life insurance. Products may include term, whole or universal life, and benefits can be used to help pay for final expenses and to help provide financial security for family members. • Accident Insurance – helps protect against the unexpected, including significant out-of-pocket expenses that may not be covered by major medical insurance. • Hospital Confinement Insurance – can help fill the gaps in major medical coverage to help pay for hospital-related expenses including co-payments and deductibles. • Cancer and Critical Illness Insurance – supplement major medical coverage to help with the high cost of cancer or critical illness treatment. Some plans offer screening benefits that encourage regular health exams.