Voluntary Benefit Programs
Payroll Deducted Voluntary Employee Benefit Plans . . .
The Total Solution to Your Employee Benefit Concerns!
With the cost of employee benefits increasing by double digits each year, you are left with very difficult decisions and basically two courses of action.  You can either reduce benefits or increase the employees contributions towards those benefits.  Neither choice is good for employee morale or retention.

Today, voluntary "payroll deducted" benefits have become an increasingly popular alternative to the traditional "EMPLOYER OWNED" benefit plans.  The differences are many and the benefits are mutual.  Most plans can be custom designed with no premium cost and/or administrative overhead for the employer  And, the plans are designedd to provide your employees with new, useful and cost effective benefit chocies to enhance their quality of life and to meet their specific lifestyle and benefit needs.
Voluntary Benefit Programs . . . the benefit to you, the employer . . .
Premiums
All Premiums are 100% Employee Paid
All Premiums are Payroll Deducted
Administration
Program Administrator and ABC Payroll                      Handle AllEnrollments, Deductions, Premium             Reconcilliations and Disbursements
Administrative and Payroll
There Are No Charges for Administration
or ForPayroll Deductions
Portability and Renewals
All Benefits Are Portable
All Benefits Are Employee Owned and
All Renewals are Negotiated Directly with
the Employeess
Voluntary Benefit Programs . . . the benefit to your employees are . . .
The rates, premiums and membership fees for all of the various products and services are discounted which can save your employees $100's of dollars annually.  And, with payroll deductions, the stress of budgeting for installments is eliminated.

The program is voluntary and your employees can pick and choose from various products and services.  Many of the products offered are extremely affordable, practical, useful and in some cases required by law (personal auto insurance).  Most products have no minimum participation requirements and are underwritten (insurance products) based on the individual employees own risk characteristics.

Some of the products currently available are:
PERSONAL LINES INSURANCE
LEGAL SERVICE PLANS
DENTAL, VISION, HEARING, PRESCRIPTION PLANS
529 COLLEGE SAVING PLANS
SHORT & LONG TERM DISABILITY
LIFE INSURANCE
ACCIDENT INSURANCE
LONG TERM CARE INSURANCE
HOSPITAL SUPPLEMENT INSURANCE
CRITICAL ILLNESS