What Are Supplemental Benefits?
Supplemental benefits are insurance products designed to work alongside major medical health insurance. They may help employees prepare for expenses that are not fully covered by their primary health plan.
Unlike major medical, supplemental benefits typically pay cash directly to the employee — regardless of what other insurance covers.
Two Plans — Separate or Combined for the Best Coverage
Integrity Advantage Group works with two well-known supplemental benefit carriers to help businesses build the right plan. These can be offered separately or combined together.
Aflac
The Name Employees Know and Trust
Aflac is one of the most recognized names in supplemental insurance. Aflac policies are designed to pay cash benefits directly to employees when a covered event occurs.
- Guaranteed Issue life, dental, and vision insurance
- Accident, critical illness, and cancer coverage
- Hospital indemnity and short-term disability
- Benefits paid directly to the employee
- Life insurance up to $100,000
- Available voluntary or employer-contributed
Companion Life
Guaranteed Issue Life Insurance + Supplemental Benefits
Companion Life offers employer-sponsored guaranteed issue coverage — $50,000 in term life insurance for as little as $25/month, plus one additional supplemental benefit.
- $50,000 guaranteed issue term life insurance
- One additional benefit of employee's choice
- Critical care, accident, vision, dental, disability, hospital, or additional life
- $12.50 of the $25/mo goes toward the chosen benefit
- No medical exam or blood work required
- Employer-sponsored group rates
Stronger Together
When Aflac and Companion Life are offered together, employees may have access to a well-rounded supplemental benefits package. Companion Life provides the foundation — affordable guaranteed issue life insurance combined with one key supplemental benefit. Aflac fills in the gaps — adding additional layers of accident, critical illness, cancer, hospital, and disability coverage.
Why Businesses Offer Supplemental Coverage
Employee Retention
Stronger benefits can help attract and retain quality employees.
Voluntary Options
Many plans are employee-paid through payroll deduction — minimal cost to the business.
Financial Protection
Help employees feel more prepared for unexpected expenses.
Group Rates
Employees may access group rates, which can be more favorable than individual pricing.
Simple Administration
Can strengthen the overall benefits package with minimal administrative complexity.
Flexible Options
Employer-paid, voluntary, or a combination of both approaches.
For educational purposes only. Products, features, premiums, benefits, limitations, and availability may vary by carrier and state. This material is not a guarantee of coverage, savings, tax treatment, or future results and is not tax, legal, or accounting advice. Consult your tax and legal advisors.