Voluntary Benefits


“We were attempting to navigate the waters of the ever-evolving Affordable Health Care Act. My company, Human Technologies, Inc., went from offering comprehensive medical to about 300 employees to being required to provide it to over 2,000 each month. As we waded our way through this process for the first year, gaining lessons learned and new methods, we knew we needed some additional assistance. This team made the entire transition process seamless. Our internal timeframe was frenzied, frustrating, and challenging. However, each step of the way showed us what a fantastic partnership we could have with them. Our group was more easily able to maintain auto-enrollment through the BenefitElect system. This process allowed us to ensure compliance with the rapidly changing laws while allowing our employees to have a healthcare plan when they forgot to sign up for themselves. We went from paper forms for every employee who started (over 10,000!) to online and over the phone elections. Our internal team went from looking at individually completed documents to completely customized reporting that we could pull at any given time. The difference was phenomenal. We have not looked back, and we don’t want to. We appreciate the automation of the system, coupled with the personal touch they provide. We have developed a fantastic partnership with this company. We are excited to see what innovative solutions they will come up with next.”

Megan Hoover, Team Lead, Compensation and Benefits, Human Technologies, Inc.

Auto-Enroll has been a great program for our organization. It has saved us from the ACA penalty and kept us compliant with the regulations set forth by the ACA. It can be difficult to prove to that you complied with the numerous regulations under the ACA, with auto-enrolling employees, we have ensured that we stay compliant and prevent any possible negative repercussions. Auto-enroll is a great tool and our providers and BenefitElect make it extremely easy to navigate. The process is simplistic and takes up almost no time on our end to accomplish. BenefitElect has created an extremely helpful management process for auto-enroll. I am truly glad we have BenefitElect as our benefit administrator to help us navigate the auto-enroll process for all of our employees.

Americo Teran, Assistant Manager of HR, Forge Industrial Staffing

Voluntary Benefits

Critical Illness Insurance

Critical Illness insurance helps you prepare for the unexpected. A major illness such as a heart attack, stroke, coma, paralysis, major organ failure, and end state renal failure can leave you emotionally, physically, and financially overwhelmed. Critical Illness insurance can help relieve the financial impact of an illness so you can focus on recovery.

With Critical Illness insurance, you’ll receive a lump-sum payment when a covered illness is diagnosed. You can use the payment any way you choose, including paying for deductibles and coinsurance, rent, groceries, or child care.

The cost of the plan is dependent upon the employee’s age at the time of purchase. Premiums for this benefit are paid with after-tax dollars.

Accident Insurance

Accidents happen when you least expect them and recovery can be costly. Your major medical insurance may pay for most services, but you could be left with out-of-pocket expenses that add up quickly. Accident insurance can help ease unplanned financial burdens.

As a full-time employee, you can buy Accident insurance to cover unexpected costs due to an accident, such as ambulance services and emergency room fees. Use the payment any way you choose – from expenses not covered by your major medical plan to day-to-day cost of living expenses such as rent or utility bills.

As medical costs continue to rise, this additional layer of financial protection can make a difference at a time when you and your family need it most. Premiums for this benefit are paid with after-tax dollars.

Hospital Indemnity Insurance

Even a minor trip to the hospital can present you with unexpected expenses and medical bills. Though you may have medical insurance, your plan may only pay a portion of your entire stay.

Hospital Indemnity insurance provides financial assistance to enhance your current medical coverage. It allows you to avoid dipping into your savings to cover out-of-pocket health care expenses.

In addition to providing you with cash benefits during a covered hospitalization, Hospital Indemnity insurance does not require you to meet a deductible or precertification requirements. You can receive treatment at any hospital of your choice.

See the Benefits Guide or benefits summary for detailed information.

Find out how you can get the Advantage

Chris Lonergan
(541) 323-1211