Trinity Risk Consultants of America, LLC offers supplemental health benefits through several companies. Sometimes called voluntary benefits, Supplemental Benefits are policies that can stand alone or help fill gaps in major medical and other insurance coverage. Often paid by the employee, voluntary benefits provide valuable protection without adding to the bottom line.
Voluntary benefits help the employees fill in health insurance gaps and deductibles. As a result, they better protect themselves from financial hardship in the event of an accident or illness. Employers also benefit as their employees feel that the company has their best interests at heart, with little or no cost to the company.
Some of the most common types of supplemental health benefits would include:
This policy is intended to help offset unexpected expenses after a fracture, dislocation, or another covered accidental injury. Accident insurance can usually be used for initial care or surgery, transportation, lodging, and follow-up care.
This product is offered as a complement to medical insurance and is intended to offset other unexpected expenses, like childcare, loss of income, deductibles, co-pays, and lodging. Some plans can also cover certain cancer screening tests.
This policy replaces a portion of an employee’s income if he or she becomes disabled from a covered accident or sickness. Most insurance carriers let the employer select a benefits period and offer an on/off-job plan.
This product is also offered as a complement to traditional medical insurance and is paid as a lump sum to affected employees to cover direct and indirect expenses associated with critical illnesses like stroke, coronary, heart attack, end-stage renal failure, or major organ failure.
This policy also complements traditional medical coverage and provides a lump sum for covered hospital confinements or outpatient surgery. Hospital indemnity insurance can cover emergency room tests, diagnostic tests, doctors’ appointments, and other hospital expenses.
To learn more about our Employee Benefit programs, please complete the simple online form below or speak with one of our licensed consultants.
