One might wonder how supplemental benefits actually help employees when they are paying for the products. In addition to peace of mind knowing employees are covered in case of an injury or illness, the answer centers on superior pricing, coverage and convenience.

They provide reduced group rates.
While supplemental benefits like accident and life insurance can be obtained individually, this is generally a more expensive route (especially when adding a spouse and dependents). The benefit of enrolling in these products through an employer is the reduced group rates enjoyed by all employees. Plus, premiums for health products could be eligible for payroll deduction on a pre-tax basis, saving employees even more!
They fill financial gaps left by medical insurance.
Major medical insurance has become increasingly expensive with high deductibles and added out-of-pocket costs. It's not uncommon for certain coverages to max out, leaving employees to pay for healthcare, household bills and daily expenses—all while trying to recover from a major health event. Supplemental insurance fills the gaps left by major medical coverage and allows employees to keep their hard-earned savings.
They are more convenient than individual policies.
Perhaps most importantly, obtaining group coverage offers employees with the convenience of easy enrollment and renewals. No need to scour plan options or stress about underwriting approvals. Employers pre-select the plan offerings and all employees usually need to do is check a few boxes during open enrollment. Plus, their premiums are conveniently payroll-deducted.

At Allstate Benefits, we are working hard to deliver the Good Hands® promise to both the employers and employees that depend on us for protection from life's uncertainties. Get to know our products.