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Voluntary Benefits


Voluntary Employee Benefits allow you to offer your employees and their dependents the benefits they want without impacting your employee benefits budget!

  • Dental
  • Short-Term Disability
  • Long-Term Disability
  • Long-Term Care
  • Life Insurance
  • Vision
  • Critical Illness

These are fully insured plans from top rated insurance carriers. Due to the low participation requirements these programs are perfect for inclusion in a cafeteria plan or on a stand alone basis. Reaching minimum participation is never concern. Landmark Insurance will design a program to your specifications, provide customized announcement and enrollment materials, conduct educational meetings at your locations and provide our excellent customer service and support to guarantee your new programs run smoothly.

Advantages of Voluntary Benefits

No Employer Costs

Voluntary benefits are a great way to provide employees with the benefits they want and desire with little or no cost to the company. Any additional administrative costs can be offset by the payroll tax savings the employer gains from Section 125.

Highly Desired Benefits

How many times have employees or prospective employees asked about benefits like dental, disability or additional life coverage?

Employee Retention

Companies with strong employee benefits packages have lower employee turnover and find it easier to attract prospects looking for employment. This is critical when the employment pool is reduced due to high levels of employment.

Group Rates

By utilizing the purchasing power of your group, the employees get access to benefits at low group rates.

Favorable Underwriting

Disability coverage and life insurance are extremely difficult to find on an individual basis if the insured has a less than favorable medical history. These products have simplified underwriting requirements or in many cases are guaranteed issue (no health questions!).

Features of Voluntary Programs

Voluntary employee benefit plans differ from traditional group plans in several key areas:


Traditional group benefits (such as medical, dental & disability) require the employer to pay some portion of the premium. Voluntary programs require No Employer Contributions! These programs are paid 100% by the employee through the convenience of payroll deduction. Even though no employer contribution is required, some employers choose to subsidize a portion of the premiums. The employees may pay their premiums (for certain products) on a pre-tax basis through a Section 125 plan. The result is a tax savings for the employee as well as the employer!

Enrollment Percentage

Traditional group benefits require high levels of participation, typically 75%. Voluntary programs usually require only 20% (and sometimes no participation requirements) of the eligible employees to enroll.

Employee Eligibility

The eligible group of employees can be defined by the employer. Below are some examples:

Voluntary Disability Coverage

Management employees have an employer paid long term disability (LTD) program. The employer offered all non-management employees a voluntary LTD program.

Voluntary Dental Coverage

Union employees had basic dental coverage so the employer offered all non-union employees access to a full voluntary dental plan.

Voluntary Dental Coverage

An employer had a workforce with a high level of turnover. Two classes of eligible employees were defined. Class one (management) employees were eligible for the dental program after thirty days. Class two employees were eligible after six months since most of the turnover took place in the first four months of employment.

Contact Information:

Landmark Insurance Associates, Inc.

5388 East Mountain Street
Stone Mountain, GA 30083

Tel: 770-498-6969
Fax: 770-498-1969