Supplemental health
Hospital indemnity, critical illness and accident benefits can provide payments for specified covered events to help with out-of-pocket or everyday expenses.
All servicesMore choice.
Voluntary benefits
More choice.
More personal protection.
A thoughtful set of supplemental benefits can help employees respond to medical cost gaps, income needs and everyday priorities in ways that fit their lives.
Let’s talkThe bigger picture
Core coverage matters. So does what comes next.
Even with medical insurance, employees may face deductibles, copays and everyday expenses during an illness or injury. At the same time, their financial priorities and family needs can be very different.
Caliber helps employers build voluntary benefit programs that expand choice without losing clarity. We focus on a practical mix of protection, understandable education and an enrollment experience that helps people make informed decisions.
A broader view of employee needs.
Program options can span health, income, care and everyday protection, with the mix shaped around your workforce.
Income & long-term care
Short-term disability can provide partial income replacement during a covered disability. Long-term care options address different needs for covered care when policy requirements are met.
Life, dental & vision
Additional life insurance and dental or vision choices can complement the core program and help employees tailor their protection.
Everyday protection
Pet, legal and identity protection programs can offer additional choices around the responsibilities and concerns employees manage outside work.
How we help
Choice is more valuable when it is clear.
Specialty expertise, clear communication and practical support at each step.
Understand the workforce
Look at employee needs, current benefits and potential gaps before adding more options.
Curate the program
Evaluate benefit categories and plan features for relevance, affordability and fit with the core benefits strategy.
Explain the choices
Help employees understand covered events, costs, waiting periods, exclusions and benefit limits, along with the role each option plays. Clear expectations matter as much as a clear choice.
Support enrollment
Coordinate education and the enrollment process so employees have a clear path from learning to making an election.
A little more clarity
Questions worth asking.
Do supplemental health benefits replace medical insurance?
No. Accident, critical illness and hospital indemnity insurance supplement medical coverage. They can provide payments for specified covered injuries, diagnoses or hospital events, helping employees address out-of-pocket or everyday expenses. Payments depend on the policy’s terms and limits; these benefits do not replace comprehensive major medical insurance.
Separately, minimum essential coverage (MEC) options may fit certain workforce needs.
Why is benefits communication so important?
Even a robust, high-quality benefits program can fall short if employees do not understand what is available, why it matters or how to use it. Clear communication helps people connect each option to their own needs and make more informed decisions.
Caliber pairs program design with thoughtful education and enrollment support. We explain the choices, costs, covered events and limitations in practical language, helping employees recognize the value of their benefits and feel more confident in their selections. Understanding is an important part of the employee experience and benefits satisfaction.
Are long-term care and disability insurance the same?
No. Disability insurance is designed to replace part of income during a covered disability. Long-term care coverage may help pay for covered care when its specific benefit requirements are met.
Let’s start a conversation
Give your people
more meaningful choices.
Let’s build a voluntary benefits program around the needs of your workforce.