Employee voluntary benefits, also known as employee-paid benefits or supplemental benefits, are sponsored by employers at no extra expense to the employer. Rather than incurring additional costs, employees cover the entire plan expense, facilitated by their employer.

These employer-sponsored voluntary benefits provide employees the opportunity to acquire supplementary benefits beyond the foundational options offered by their employer.

In the realm of voluntary benefits, the financial responsibility often falls on employees. They can choose from options like pay-roll deduction, handling complete administration and payment themselves, or a hybrid model where the employer contributes a portion.

EmoBenefits advisors collaborate with nonprofit leadership to tailor the approach that best suits their organization’s needs and employee preferences.

At EmoBenefits, we believe that every nonprofit can access programs tailored to their needs regardless of size. Some of our programs have no minimum employee requirement, while others, such as payroll deduct programs, may necessitate a minimum of usually three employees. Our Advisors collaborate with your leadership team to determine the most suitable approach for your nonprofit.

Additionally, through EmoEnroll, employees can directly enroll with EmoBenefits, eliminating the need for nonprofit involvement, administration, or payment. Nonprofits simply introduce us as their trusted benefits provider. Using our EmoEnroll portal, employees can independently choose the benefits that align with their individual needs and situations.

EmoBenefits offers a comprehensive range of benefits tailored to meet diverse needs. We provide a wide array of offerings, including voluntary short-term health insurance, dental coverage, cancer coverage, personal accident coverage, hospital indemnity coverage, vision plans, life insurance, and various other voluntary benefits.

We actively seek new financial and perks partners to introduce to your employees, enriching their overall experience with valuable benefits. These offerings are carefully curated to empower individuals and organizations, promoting both their well-being and financial security.

Certainly! Even if you already provide benefits, offering voluntary benefits can be a valuable addition. Voluntary benefits allow employees to tailor their coverage to their specific needs, providing a more personalized and comprehensive approach to well-being.

This flexibility can enhance employee satisfaction, attract and retain talent, and contribute to a more robust overall benefits package.

Enrolling in voluntary benefits through EmoBenefits involves the following steps:

1. Decide on Enrollment Method: The first crucial step is deciding on the enrollment method that best suits your nonprofit and employees. EmoBenefits offers five primary methods: in-person (if available), telephonic, virtual conferencing, online, and group meetings. This choice ensures adaptability to diverse job site conditions and workers’ needs.
2. Access the EmoEnroll Portal: Visit the user-friendly EmoEnroll portal provided by EmoBenefits.
3. Create an Account or Log In: For new users, set up an account with relevant information; for existing users, log in to proceed. You also have the option of looking at rates before enrolling.
4. Browse Available Benefits: Explore a variety of voluntary benefits tailored to meet your unique needs and preferences.
5. Make Your Selections: Choose the benefits that align with your financial needs. EmoBenefits advisors are available for guidance.
6. Review and Confirm: Thoroughly review your selections for accuracy and completeness. Once ready, confirm your choices.
7. Submit Your Enrollment: Complete the enrollment process by submitting the necessary information. Ensure all details are accurate.
8. Receive Confirmation: Upon successful enrollment, you’ll receive confirmation of your selected voluntary benefits. Retain this information for your records.

Please note, that unlike guaranteed group benefits, voluntary benefits are underwritten on an individual basis. This means that individuals must qualify for coverage and answer health questions.

Choosing employee benefits is made flexible with different methods, DIY, from in-person and virtual counseling to telephonic consultations, group meetings, and online self-service enrollment. These options cater to various preferences, allowing your team to personalize their benefits experience for ease and efficiency.

EmoEnroll (Online Self-Service):

• EmoEnroll uses our INSXCloud platform for simple enrollment. This method allows employees to independently navigate and select their benefits, offering convenience and accessibility 24/7.

In Person:

• If available in your region, in-person enrollment involves an EmoAdvisor meeting with an employee at the worksite in a one-to-one counseling session. This personalized approach ensures direct interaction and assistance tailored to the employee’s needs.

Virtual:

• Virtual enrollment mimics face-to-face interactions by having an EmoAdvisor meet with an employee in a one-to-one counseling session using secure virtual enrollment tools. This method provides the convenience of remote access while maintaining a personalized experience.

Telephone:

• Telephonic enrollment offers flexibility as an EmoAdvisor connects with an employee in a one-to-one counseling session over the phone. This method allows employees to receive personalized guidance without the need for a physical meeting.

Group Meetings:

• In group meetings, employees gather with co-workers either in person or virtually. These meetings serve as a precursor to one-to-one counseling sessions, providing an opportunity for collective discussions and, in some cases, enabling employees to make benefit selections on the spot.

Your team can choose from different enrollment methods like EmoEnroll, in-person, virtual, phone, group meetings, or online self-service. Throughout the process, an EmoAdvisor is available to offer guidance before, during, and after enrollment, ensuring employees have the support they need for informed decisions about their voluntary benefits. Nonprofits can use these methods to make the process smooth and supported for their workforce.

A yearly enrollment period positively impacts voluntary benefits, providing a designated window for employees to easily review, adjust, or add benefits.

This streamlined approach ensures efficient administration, encourages active employee engagement, and facilitates timely updates to benefit selections based on evolving needs or circumstances. Overall, the annual enrollment period simplifies the management and customization of voluntary benefits for both employers and employees.

Yes, employees have the flexibility to make changes to their voluntary benefits selections through Emobenefits. Unlike a “locked-in” enrollment period, unless using payroll deduct, an employee can change coverage by contacting their EmoAdvisor or their insurance carrier directly. The flexibility to adjust benefits is contingent upon the coverage options outlined in the policy, ensuring a customizable and responsive approach to employee benefits.

A yearly enrollment period positively impacts voluntary benefits, providing a designated window for employees to easily review, adjust, or add benefits.

This streamlined approach ensures efficient administration, encourages active employee engagement, and facilitates timely updates to benefit selections based on evolving needs or circumstances. Overall, the annual enrollment period simplifies the management and customization of voluntary benefits for both employers and employees.

Emobenefits facilitates the announcement of voluntary benefits through a comprehensive communication strategy. Using a variety of formats such as emails, digital notifications, and text messages, as well as traditional methods like printed posters and brochures, Emobenefits ensures that employees are well-informed about the availability of voluntary benefits, enrollment dates, and their various options.

This multi-format approach is designed to reach employees effectively and provide them with pertinent information at the most relevant time, contributing to a successful and engaging voluntary benefits enrollment process.

Absolutely! Introducing voluntary benefits to your team without taking on the administrative burden is a viable option. EmoEnroll is our turnkey solution, allowing you to present and explain the benefits to your team without the day-to-day management responsibilities.

This option is for those nonprofits that do not want to provide payroll deductions or contribute to employees’ costs. This is a true, voluntary program.

A turnkey solution like EmoEnroll means that we take care of the administrative aspects, including enrollment, communication, and ongoing management. You can focus on introducing the benefits to your team without being directly involved in the operational details. Any new hire or someone who needs to make changes to their benefits contacts us and we handle the rest. 

To get started, simply reach out to us about offering turnkey solutions. We will guide you through the process, assist with customization, and handle all administrative aspects, allowing you to effortlessly introduce valuable benefits to your team.

EmoEnroll comes at a minimal cost, typically associated with your customized benefits website, which is entirely optional for your nonprofit. All premiums are covered by the employees. Your nonprofit’s primary responsibility is to effectively communicate the significance of the program as an available option. Once that is done, we handle all the necessary processes, ensuring a seamless experience for your organization and its team members.

Yes, we provide the convenience of payroll deduction, allowing employees to contribute to their voluntary benefits directly from their paychecks. This does take longer to set up, but an EmoAdvisor will be with you every step of the way. Also, please note, that in most cases, at least three employees must sign up for us to start. Program limitations and exclusions apply.

Absolutely. Employers have the flexibility to contribute to a portion of the voluntary benefits premiums, demonstrating support for their employees’ well-being. These programs have more guardrails, so an EmoAdvisor works with you every step of the way. Also, please note, that in most cases, at least three employees must sign up for us to start. Program limitations and exclusions apply.

Payroll deduction is a straightforward process where employees authorize the deduction of their chosen contribution directly from their paychecks, ensuring seamless and timely premium payments. Depending on the insurance partner, you may have access to an online portal, or receive a list bill, every month.

FYI – A List Bill is an online (or paper) invoice specifying the amount due for each policyholder (from the policyholder and/or the employer) for a specific pay frequency.

As always, your EmoAdvisor will walk with you every step of the way while setting up your voluntary benefits program. In general, employers can easily set up payroll deductions and employer contributions by coordinating with our insurance partners’ benefits administration system. Our team will guide you through the process for a seamless integration aligned with your preferences and needs.

The cost of setting up an employer-administered voluntary benefits program varies, influenced by factors like organization size, program complexity, and the chosen insurance partner. Your EmoAdvisor will assist in selecting an insurance partner that best fits your needs, ensuring a tailored and cost-effective solution. However, based on feedback, the overall cost is not much compared to having employees protected financially.

No, EmoBenefits is not an insurance company. We, at EmoBenefits, operate as a benefits agency, collaborating with multiple insurance carriers to pinpoint the most suitable options for nonprofits and their employees.

As an independent insurance (benefits) broker, EmoBenefits receives a commission from insurance companies for each sale. These commissions are already incorporated into the price of an insurance policy, meaning you won’t incur any additional costs by choosing us to assist with your policy purchase. Our compensation may vary based on factors such as the type and size of the product, the insurer, and the volume of business we conduct with them.

No, EmoBenefits is not a tax professional or a law firm. EmoBenefits operates as a benefits agency, collaborating with insurance carriers to identify suitable options for nonprofits and their employees. While we can provide information on benefits and insurance, we recommend consulting with qualified tax professionals or legal experts for specific tax or legal advice.