Specialty Benefits ANCILLARY, WORKSITE AND VOLUNTARY In today’s competitive market, employers must continually update and enhance their benefit programs to attract and retain employees. Ancillary, worksite and voluntary programs offer your clients the opportunity to add value to the employee benefit program. With a balanced benefit program, employees are offered an array of benefits individually tailored to their diverse needs, while remaining within the budget parameters of the employers. ANCILLARY Ancillary products are employer-sponsored benefits including dental, life, disability and vision products. The ancillary programs often include a premium contribution from the employer or a shared contribution of premium by both the employer and the employee. The dental, life, disability and vision products are issued on a group basis and normally require a significant percentage of the employees to participate in the program. WORKSITE AND VOLUNTARY Worksite and voluntary benefits are often referred to as payroll deduct benefits. The worksite and voluntary programs offer each employee an opportunity to select the benefits best suited to their individual and family needs. The premiums for these products are normally paid for by the employee on a payroll deduction schedule. Although these products are underwritten and priced on a group basis, these products may be available as a guarantee issue product or require a minimum employee participation. The worksite and voluntary benefits offer the employee a full array of benefits to include accident, critical illness, dental, disability, life and wellness coverages. The key to providing a quality worksite or voluntary program is the communication process with the employers and employees. The Talus communication team assists with customizing solutions to ensure each participant receives the most comprehensive and appropriate benefit package. Click Carrier below for more information: Allstate  American General  Brokers National Life    Consumers Life  Dearborn National  EyeMed Vision Care  Humana  International Medical Group  Mutual of Omaha  OneAmerica/AUL  Principal  Reliance Standard Life  Security Life Insurance Company  Transamerica  United Concordia  UnitedHealthcare Specialty Benefits