Financial Protection for Employees

Offer more ways to support your team, without a hefty increase in cost. Tribute Insurance helps you choose group supplemental plans that enhance your core benefits and protect employees.

What Is Financial Protection?

These are supplemental add-on policies that can help employees fill coverage gaps and manage out-of-pocket costs for specific health needs. These plans are offered in addition to a group medical plan or HRA, and are often 100% employee-paid through payroll deductions. 


  • Flexible benefit options
  • No employer premium contribution required (unless desired)
  • Easy to offer as part of a voluntary benefits package


These plans can increase employee satisfaction, improve financial security, and reduce pressure on your core health plan, all at little or no added cost to your business.

Short-Term Disability Insurance

Replaces a portion of income if temporarily unable to work due to illness or injury

Long-Term Disability Insurance

Replaces part of income for illness or injury that affects long-term work ability

Basic Life Insurance and AD&D

Provides a lump-sum payment to employee’s beneficiaries in the event of their death

Hospital Indemnity

Helps cover hospital stays, deductibles, and coinsurance

Accident Insurance

Pays cash benefits for accidental injuries

Critical Illness Insurance

Coverage for serious diagnoses like cancer, stroke, or heart attack

How We Can Help

Tribute Insurance helps you design a supplemental benefits package that fits your team and budget. We will work together to choose from a range of leading insurance carriers, customizing the best plan options and coverage levels for your organization.

Group Voluntary Insurance FAQ

  • Do we have to pay for voluntary benefits?

    In many cases, no. As the name suggests, most plans are offered on a voluntary basis, with employees choosing and paying for the coverage they want.

  • Can part-time employees enroll?

    Sometimes. Eligibility depends on the plan and carrier. We can help you find plans with broader eligibility.

  • How do employees enroll or make claims?

    We assist with onboarding, enrollment, and education. Claims are usually filed directly with the carrier, and most offer mobile apps or online portals.

  • Do employees need to answer medical questions?

    Many supplemental plans offer guaranteed issue during the initial enrollment period, meaning no health questions are asked.