Quality Products and Carriers

At Workforce Concepts, our goal is to help you design a voluntary benefit program that meets the needs of you and your employees. That’s why we offer a variety of products from the nation’s leading insurance carriers. Voluntary products are typically funded through payroll deductions, and a number of them are portable.

We offer the following products:

Provides financial security for employees and their families due to death. Many employees appreciate the extra security of additional life insurance coverage to what’s offered at their company. We offer a number of term and permanent life policies (universal and whole). In addition, many of these policies offer living benefits, such as Long Term Care riders.

Provides financial security by replacing a portion of an employee’s income for a set period of time when they are unable to work due to a covered illness or injury.

Helps employees and their families avoid financial hardship and out-of-pocket medical expenses related to a major illness. These policies pay a face amount / lump sum if the insured is diagnosed with a specified critical illness. This sum is paid directly to the insured regardless of any other sources of income or medical coverage.  Generally, critical illnesses include stroke, heart attack, cancer that is life threatening, paralysis,  organ transplant requirement, and kidney failure.

Helps those diagnosed with cancer and their families avoid financial hardship. These policies generally pay benefits for direct costs (e.g., surgical procedures, inpatient hospital stays), as well as indirect costs (e.g., transportation and lodging expenses). Because early detection of cancer is so important, plans may include a wellness benefit to help employees pay for covered screening exams.

Provides additional funds for employees and their families in the event of an accidental injury. It helps fill the gaps left by traditional medical insurance such as copays and deductibles by providing benefits for such expenses as emergency room treatment, inpatient hospital stays and physical therapy.

Helps employers offer affordable medical coverage to employees who may not be eligible for the traditional medical insurance. Plans generally include benefits for medical expenses, such as doctor visits, hospital stays and prescription drugs. Often times these type of programs will be guaranteed issue with no pre-ex.

Pays cash directly to individuals due to hospitalization of sickness, injury, and maternity. Major diagnostic and surgical benefits are often included. Helps victims pay for the costs and uncertainties associated with restoring their identity and repairing their credit, including lost wages, phone bills, notary costs, and certified mailing costs. Provides competitive quotes, often leveraged by a group’s purchasing power and the advantage of payroll deduction.

There are different types of voluntary dental plans available. Two of the most common are indemnity plans where an insured pays up front for services and is reimbursed based on a set fee schedule of services by the insurance company and the second being a discount program with discounts anywhere from 15-50% off of services which you receive at the time of service.

These programs are designed to offer coverage for discounts on frames, contacts, and eye surgery and disorders. Typically these programs require minimum participation and are a value added benefit for most employees.

The availability to have a lawyer for unlimited legal advice, peace of mind,  and on call.  This service is available Monday through Friday for all of life’s drama.  This could include, but is not limited to bankruptcy, taxes, divorce, custody, adoption, rental issues, wills, and power of attorney.  This is available as an individual and/or can be available for a business membership for business owners.

A prepaid network of accountants.  Similar to pre-paid legal, this service allows the consumer to form a relationship with a trusted advisor and have 90 minutes of time via phone, email, or face to face, during the course of the year.  You would receive that year’s taxes done and in addition, select from someone locally in your area.