Voluntary Benefits for Employees in Oklahoma City - Extra Options, No Extra Cost to You

Flexible, Employee-Paid Coverage That Adds Real Value

Voluntary benefits are a powerful way to enhance your Oklahoma City employee benefits package-without increasing your business expenses. These employee-paid policies offer extra financial protection for things health insurance doesn't cover, like accidents, critical illness, and hospital stays.



At Eagle Group Associates, we help employers across the OKC metro offer competitive voluntary benefits from trusted national carriers. From Nichols Hills to Norman, these extra options can help you attract and retain great people without adding to your bottom line.

What Are Voluntary Benefits?

Voluntary benefits are optional insurance products offered through your workplace. Employees choose which plans they want, and premiums are typically paid through payroll deduction-either pre-tax (via Section 125) or post-tax depending on the product. Popular options include:


  • Accident Insurance - Pays cash directly to employees for injuries, ER visits, or ambulance rides
  • Critical Illness Insurance - Lump-sum payment if diagnosed with cancer, heart attack, stroke, or other covered condition
  • Hospital Indemnity - Per-day benefit for inpatient hospital stays, often used to supplement high-deductible plans
  • Cancer Insurance - Helps with the extra costs of cancer treatment, travel, and recovery
  • Disability Income Protection - Short- or long-term coverage if the employee becomes too sick or injured to work
  • Life Insurance - Voluntary term or whole life options beyond your base group life policy
  • Legal & Identity Theft Plans - Access to legal support or ID theft monitoring and recovery tools

Your employees can choose what matters most to them-with no employer contribution required.

Why Oklahoma Employers Offer Voluntary Benefits

Providing access to voluntary benefits is a smart move for any business. Here's why companies across Oklahoma City and beyond are adding them:


  • No Cost to the Employer - Fully employee-paid
  • Easy Payroll Deductions - Simple to administer with your existing system
  • Employee Customization - Everyone chooses what fits their needs and budget
  • Boosted Retention - Employees value access to these plans, especially younger and budget-conscious workers


We'll help you curate the right mix of options for your team-and make enrollment painless for everyone.

Pairing Voluntary Benefits With Core Coverage

Voluntary benefits are often used to supplement:


  • High-Deductible Health Plans - Add accident or hospital coverage for gap protection
  • Medicare-Eligible Employees - Final expense or cancer plans can help round out Medicare coverage
  • Life Insurance Needs - Employees may want more coverage than your base group plan offers


We'll show you how voluntary options can enhance your existing benefits and help employees feel more secure.

FAQs

Voluntary Benefits

  • Who pays for voluntary benefits?

    Employees do. These benefits are 100% optional and typically deducted from their paycheck.


  • Do voluntary benefits require medical underwriting?

    Some do, but many offer guaranteed issue options when first enrolling. We'll guide you on the best carriers and enrollment timing.


  • Can we offer voluntary benefits with just a few employees?

    Yes-many carriers offer plans for businesses with as few as 3-5 employees.


  • Do we need to administer claims?

    No. Employees deal directly with the carrier for claims. We'll provide educational tools and direct support during setup.

  • What if our employees already have life or disability insurance?

    That's fine. Voluntary plans are meant to supplement personal or employer-paid policies. They offer flexibility and often better pricing through group purchasing.


Let's Build a More Competitive Benefits Package-Without Raising Costs

Voluntary benefits add real value for your team-without burdening your budget. Whether you want to start small or offer a full menu of options, we'll help you craft a plan that fits.


Call (405) 602-1554 or contact us online to schedule your free employee benefits consultation.

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