The term “voluntary” benefits — insurance products offered by employers but paid primarily by employees — is misleading. Increasingly, these offerings play a key role in benefits offerings to recruit and retain the best team members. Voluntary benefits expand the employee’s choices while allowing far greater personalization for a diverse workforce.

Once a nice-to-have, voluntary benefits are now nearly mandatory: More than 90 percent of U.S. employers consider voluntary benefits to be important to their value proposition to employees over the next three to five years.

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