Combined Insurance Reports that Voluntary Programs Can Offer Employers a Cost Effective Way to Offer Benefits and Help Retain...( Leading Supp...),Health

Leading Supplemental Insurance Company Encourages Employers to Use the Fourth Quarter to Review Employee Benefits

Chicago (PRWEB) October 14, 2008 -- Combined Insurance, a leading provider of supplemental insurance, encourages employers to use the fourth quarter as time to review employee benefits and recommends 'Voluntary Benefits' programs as an added incentive to help retain employees. These programs can be a cost-effective way for employers to lower their labor costs, yet retain employees by providing workers with access to disability, life, accident/sickness and critical care supplemental insurance policies.

Voluntary benefits allow employers to provide optional programs that employees can tailor to meet their needs with minimal costs and administrative responsibility. These policies are fully-paid by the employee, yet workers gain access to benefits via payroll deduction which saves them time. Plus, the benefits can often follow them if they change jobs, which is common in today's work environment.

Voluntary benefits can include (product availability may vary by state):

Income Protector

• Disability Income Protection: Provides benefits in the event that an employee becomes sick or hurt and is unable to work.

• Universal Life Insurance: Provides permanent life insurance coverage in case of death. Coverage is also availabl
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