Supplemental Benefits provide your employees with an opportunity to access a life and/or Disability Insurance Protection Program which can be tailored to meet their individual needs.       Employers are turning to more voluntary benefit programs as the cost of employer-provided benefits continues to accelerate. The cost of providing Group Life, Vacation, Sick Time and Statutory Benefits can sometimes exceed 35-40% of payroll. In addition to the cost, the administration of benefit programs adds to the employers responsibility.       The adoption of a Voluntary Supplemental Program can provide a vaulable benefit for your employees, while not adding to your benefit costs. Employees who voluntarily enroll in these programs enjoy several advantages available only through employer-sponsored programs. Basics of the plans include portability, simplified or guaranteed issue underwriting, and the ability to enhance benefits on a regular scheduled basis; all through the ease of payroll deduction. Additional benefits can include Accidental Death Benefit, Spouse and Child Coverage, and Living Benefits Riders. These products are not only valuable, but they are timely, as they positively impact both you the employer and your employees.       At D.M. Ulatowski our goal is to help you the employer design a plan that's right for you, then meet with your employees individually to customize the offering to meet their special needs and circumstances.

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