The days of employer-paid benefits are disappearing faster than a snow cone in July—especially when you consider that most companies aren't helping to offset the costs for much more than major medical and physician care for their workers. And, the sticker shock for premium increases has just barely begun. However, in spite of increased health care costs, voluntary benefits are still popular even if employees are left to pick up the tab.

According to Transamerica Employee Benefits, 65 percent of employees say it's important that their employer offer these products. However, 47 percent of employees surveyed haven't been offered an additional voluntary product since the Patient Protection and Affordable Care Act was implemented in 2010.

According to TEB, the voluntary products becoming increasingly more important due to PPACA include critical illness, accident, supplemental, hospital indemnity and cancer, and dental and vision policies.