Supplemental benefits can be described as "voluntary" or "extra" insurance. Usually offered through the workplace, supplemental benefits can be used to help offset the high costs of medical care, hospital stays, medical transportation and equipment.

The most common types of supplemental benefits are:

Accident Insurance – pays benefits for medical treatment, services, hospital stays and more when faced with an accidental injury, such as a slip and fall.
Critical Illness Insurance – provides a lump-sum benefit when diagnosed with an eligible condition, like heart attack, stroke, certain cancers and more.
Disability Insurance – pays income replacement benefits when a covered person is sick or injured and cannot work.
Life Insurance – pays beneficiaries in the event of a covered person's passing and can also build cash value that may be borrowed against if needed.

You can boost your employee champion status by adding additional benefits that help your employees and their families stay healthy, like a Wellness Benefit. Each coverage type has optional benefits that enhance employees' protection while maintaining affordability.