In addition to supplemental disability and life insurance plans, there are other key voluntary programs that companies have adopted to round out their benefits offerings. Three of the more prominent offerings are Accident Insurance, Critical Illness, and Long Term Care Insurance Plans.

Accident Insurance Plans


  • Main objective is to pay for some out-of-pocket costs not paid by medical program
  • Provide financial reimbursements for a wide array of accident/injury-related expenses
  • Some of these expenses are due to hospitalizations, deductibles and copays, physical therapy, transportation and lodging, etc.
  • Typically covers accidental deaths and catastrophic accidents
  • Policies are portable

Critical Illness Plans


  • Provide financial protection in the event of a sudden, life-threatening event
  • Pays in addition to benefits received under medical plan
  • Provides a lump sum benefit amount that is typically between $5,000 and $50,000
  • Typical covered illnesses include: heart attack, stroke, cancer, bypass surgery, and organ transplants
  • Premium rates remain level and policies are portable

Long Term Care Insurance Plans


  • Pay for costs associated with care from nursing homes, assisted living facilities, and home healthcare
  • Benefit typically not taxed
  • Benefit inflation protection is available
  • Premium rates remain level and policies are portable

Total Package Partners (TPP) has developed and utilizes communication strategies that complement existing company benefits communications in order to maximize employee plan participation. TPP secures best-in-class insurance companies who provide the benefit. TPP manages all aspects of the initial and ongoing enrollments to minimize a client’s time and resources. As a result, voluntary benefit plans provide significant value to employees at no cost for their employers.