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Supplemental Insurance

Supplemental Employee Benefits & Health Plans

Small Businesses Love Our Supplemental Health Insurance Benefits

More and more businesses like yours are taking advantage of voluntary supplemental benefit programs to offer their employees valuable, cost-effective employment benefits. APR's supplemental benefits program is a great way for you to:

  • Offer your employees benefits they will value
  • Make your place of employment a more attractive place to work
  • Eliminate all the administrative burdens of offering a benefit program
  • Reduce your payroll tax burden
  • Achieve all these advantages while not increasing your cost of operating your business

Voluntary Supplemental Benefits for Employees

Working with Colonial Life, one of the leading supplemental benefit providers in the country, APR is proud to offer our customers a very affordable voluntary program of high-quality benefits.

Supplemental voluntary benefits allow employers to offer their employees’ benefits at very affordable rates. Employers can choose to pay for the benefits or they can treat them as a payroll deduction and let employees choose to purchase the benefits if they so desire.

These plans will provide employees with good financial assistance should a health-related problem arise that is covered in the plan. Depending on the benefit, the premium may also be pre-tax, thus lowering the payroll tax liability for the employee and the employer.

APR's Supplemental Employee Benefits

Disability insurance — Helps replace a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.

Accident insurance — Helps offset unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a fracture, dislocation or other covered accidental injury.

Life insurance — Enables you to tailor coverage for your individual needs and helps provide financial security for your family members.

Cancer insurance — Helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover. This coverage also provides a benefit for specified cancer-screening tests.

Critical illness insurance — Supplements your major medical coverage by providing a lump-sum benefit you can use to pay the direct and indirect costs related to a covered critical illness, which can often be expensive and lengthy.

Hospital confinement indemnity insurance — Provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery to help with co-payments and deductibles that are not covered by most major medical plans.

Dental insurance — Provides the same benefit amounts with any dentist you choose and covers a variety of dental procedures, from routine cleanings to more advanced procedures such as crowns and root canals. Additional savings are available by visiting a network dentist.

Voluntary supplemental benefits are a great, affordable way to offer your employees health-related benefits, reduce payroll tax liability, reduce employee turnover and make your business a better place to work. To learn more, give us a call.