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    Voluntary Benefits

    Voluntary Options Available on All Benefits Products

    Just as no two families are exactly alike, Reliance Standard understands that no two businesses are the same, either. That’s why all our employee benefits coverages are available as employer paid, contributory or 100% employee paid options. That means as your business objectives change – along with your budget – you can continue to offer high quality employee benefits programs to help attract and keep valuable 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

    • We keep account managers and enrollment specialists where they belong – close to you – so they can add value and improve results.
    • Our flexible online enrollment/EOI technology stands alone or integrates with your platform. See a demo here.
    • You can enroll all our lines on one personalized form and deliver them in customized kits, including foreign language materials.

    Need more information?

    For summaries of our Voluntary Products, click on the links below:
    Voluntary Benefits Overview
    Group Term Life
    Group Short Term and Long Term Disability
    Dental and Eye Care
    Critical Illness
    Accidental Death & Dismemberment
    Voluntary Hospital Indemnity