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    Voluntary Benefits

    It’s Easy to Deliver Value and Service with Voluntary Benefits

    As health care costs and regulation have continued to escalate, Voluntary or employee-paid benefits have grown in importance as a means of protecting and growing your benefits business. For example, the popularity of high deductible health plans (HDHPs) has made Critical Illness and Accident plans more desirable as affordable ways for employers to effect change and employees to manage their family’s financial exposure. Reliance Standard offers a full suite of Voluntary products representing the most requested and fastest growing coverages in the market. Then we add market-leading service, including proven-effective local market enrollment specialists who manage the process from strategy through application – so you don’t have to.

    Voluntary Benefits Help Round Out Employer Group Benefit Packages

    Reliance Standard offers an enhanced suite of Voluntary products, including those employers want most. All of our core benefit coverages are available as employer-paid, contributory or 100% employee-paid options. So as an employer’s business objectives and budgets change, they enjoy the flexibility to continue to offer the high quality benefits programs they need to attract and retain employees.

    Plan design features vary by product and state, but generally these are the options available on our employee benefits lines of coverage:


    Employer pays 100% of the cost of disability coverage. Employees may not purchase additional coverage.

    Contributory or “Core/Buy-Up”

    Employer and employees share the cost of coverage. Sometimes this means employers purchase a portion of eligible employees’ coverage (“core” coverage), or a flat benefit amount, regardless of whether the employee elects to purchase additional coverage or not. Sometimes the program can be designed so that the employer only pays a portion if the employee elects to participate and purchase benefits.


    Each eligible employee has the option to purchase coverage at 100% of the cost. The employer does not pay for any portion of coverage.

    We’ve learned one important fact over more than 100 years of service to employers and individuals. Delivering excellent service starts with easy. That’s why we have enhanced services to help make your employee-paid benefits programs easy for you AND affordable for your workforce.

    The Service Advantage

    Our commitment to outstanding service makes it easy for you to provide affordable Voluntary benefits programs to employers – and easy for them to use.

    • Our nationwide team of local enrollment specialists are close by – to simplify the enrollment process and optimize participation results.
    • Streamlined, online enrollment makes it easy to enroll all our lines on one personalized form and deliver them in customized kits, including foreign language materials.
    • Our flexible online enrollment/EOI technology stands alone or integrates with other platforms. See a demo http://www.reliancestandard.com/eoi-demohere.
    • Online billing is comprehensive and easy to use.
    • Online Customer Care includes web-based support anytime – anywhere.

    Reliance Standard’s portfolio of Voluntary products include

    Need more information?

    For summaries of our Voluntary Products, click on the links below.

    Group Term Life
    Group Short Term and Long Term Disability
    Dental and Eye Care
    Critical Illness
    Accidental Death & Dismemberment
    Limited Benefit Medical