Build a Benefits Program Employees Actually Value
At Braaten & Company, we help businesses go beyond basic coverage by adding voluntary supplemental benefits that give employees real financial protection when life throws unexpected challenges their way. A well-rounded benefits program helps you attract and retain great people, and we make it simple to put one together. Call us at (320) 200-1208 to get started.
What Are Supplemental Benefits and Why Do They Matter?
Supplemental benefits, sometimes called voluntary benefits, are additional coverage options that employees can elect on top of their core medical plan. They help fill the financial gaps that standard health insurance often leaves behind. These plans are typically employee-paid, so they add real value to your package without adding significant cost to your business.
Common supplemental benefit types include:
- Accident insurance to help cover out-of-pocket costs after an unexpected injury
- Critical illness coverage that pays a lump sum when someone is diagnosed with a serious condition like cancer or a heart attack
- Hospital indemnity insurance to help offset costs during a hospital stay
- Short-term disability for employees who need income protection during a temporary illness or injury
- Life insurance riders that give employees the option to customize their coverage
A Personalized Approach to Voluntary Benefits
Not every business needs the same mix of supplemental options. At Braaten & Company, we take the time to understand your workforce, your existing benefits package, and your budget before making any recommendations. Our goal is to help you build something that actually fits.
We walk employees through their options during enrollment so they understand exactly what they are choosing and why it matters. That kind of white-glove support means fewer questions landing on your HR team's desk and more employees who feel confident in their benefits.
Frequently Asked Questions About Supplemental Benefits
What is the difference between supplemental and primary health insurance?
Primary health insurance covers core medical expenses like doctor visits and hospital care, while supplemental insurance pays additional benefits that help cover costs your main plan does not. They are designed to work together.
Are supplemental benefits available to businesses in Minnesota?
Yes, Braaten & Company works with businesses of all sizes throughout Minnesota to offer voluntary benefit options. With a variety of plans available, we can help find options that fit the needs of your business and your employees.
Do employees pay for supplemental benefits themselves?
In most cases, yes. Voluntary benefits are typically employee-funded through payroll deduction, which keeps costs manageable for the employer while still expanding the overall package.
How do I know which supplemental plans are the right fit for my team?
The right mix depends on your workforce's demographics, lifestyle, and the gaps in your current coverage. We help you evaluate the options and select plans that align with what your employees actually need.
Ready to Give Your Team Benefits That Go the Extra Mile?
Braaten & Company proudly serves employers across Minnesota communities with personalized guidance and hands-on support. Call us at (320) 200-1208 to talk through your options today.
