Voluntary Benefits Coverage
A strong benefits package does more than attract talent — it shows your team you’re invested in their well-being beyond the basics. Voluntary benefits let you do exactly that. These are supplemental coverages employees choose and pay for on their own, typically through payroll deduction at group rates they couldn’t access on their own. As the employer, you expand your benefits offering at little to no added cost to your business.
At Spann Benefits, we help businesses in Brentwood and throughout Tennessee build voluntary benefits programs that make sense for their workforce — not off-the-shelf packages, but options that fit the size, budget, and goals of your organization.
Common Voluntary Benefit Options
Voluntary benefits can fill coverage gaps that standard group health insurance leaves open. The right mix depends on your team’s demographics and needs, but commonly offered options include:
- Dental and Vision Insurance — Practical, high-demand coverages employees use regularly and genuinely value.
- Life Insurance — Affordable term or whole life policies that give employees peace of mind for their families.
- Short-Term and Long-Term Disability — Income protection if an illness or injury keeps an employee out of work.
- Accident Insurance — Lump-sum payments to help employees cover out-of-pocket costs after an unexpected injury.
- Critical Illness Insurance — Financial support when an employee faces a serious diagnosis like cancer, a heart attack, or stroke.
- Hospital Indemnity Insurance — Cash benefits to offset costs during a hospital stay that health insurance doesn’t fully cover.
Why Voluntary Benefits Matter for Tennessee Businesses
In a competitive hiring environment, salary alone doesn’t close the deal. Employees — especially those supporting families — weigh the full picture of what a job offers. A well-rounded voluntary benefits lineup signals that you care about the people on your team, and it can be a meaningful factor in both recruiting and retention.
For smaller businesses that can’t match the full benefits packages of larger competitors, voluntary benefits are one of the most cost-effective ways to level the playing field.
How Spann Benefits Helps You Build the Right Program
We don’t hand you a carrier brochure and walk away. We take the time to understand your workforce, your budget, and your goals — then help you select and communicate voluntary benefits that your employees will actually use and appreciate. From initial enrollment support to ongoing questions throughout the year, we’re a local partner you can reach when it matters.
Based in Brentwood, we work with businesses across Tennessee every day. You’ll work with a real person who knows this market and is here for more than just your renewal window.
Ready to Expand Your Benefits Package?
If you’re a business owner in Brentwood or anywhere in Tennessee looking to offer more to your team, Spann Benefits is ready to help. Reach out today to start a conversation about voluntary benefits that fit your business.