Voluntary Benefits
For the South Carolina public sector employers
Benefits worth sticking around for
Your employees are the backbone of your enterprise. Unexpected accidents or medical diagnoses can lead to financial strain, potentially causing a reduction in workplace productivity. We can help, with voluntary employee benefits like Accident, Disability, Critical Illness, Hospital Indemnity, Cancer, and Whole Life Insurance. Coverage can help your employees protect their finances when faced with life's challenges. And best of all, they can use their benefit payments for anything they wish – there are no restrictions. Whether it's help filling in gaps in medical coverage, paying their rent or mortgage, the choice is theirs.
Advantages for employers
Premiums are employee-paid and don't affect your bottom line.
Benefits help round out employees' compensation.
Helps you recruit and retain top talent.
Advantages for your employees
Affordable, valuable coverage with group rates only available through you, their employer.
Cash benefits with no restrictions as to how they are used.
Financial support to help with rising medical costs and high deductibles.
Our voluntary benefits line up
PEBA insurance benefits do not cover everything. That's where Allstate Benefits can help. Our voluntary benefits allow employees to choose the coverage that best fits their lifestyle and helps cover the expenses that health insurance doesn't. Employees get the freedom to select the coverage they want and pay only for what they need.
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Extra coverage when your employees need it.
Accidents happen every day, but an accidental injury doesn't have to lead to financial distress for your employees. Deductibles and leftover medical treatment costs can add up fast. And, major medical insurance doesn't always cover everything. With Accident Insurance from Allstate Benefits, your covered employees can concentrate on recovery, knowing that they have help protecting their finances.
Added protection for the unexpected.
Accident Insurance can help take care of out-of-pocket expenses and medical costs beyond what existing health insurance covers, including:
Fractures
Dislocations
Lacerations
More
Start at less than $14 per month
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Coverage that can help with leftover expenses.
A cancer diagnosis can be frightening enough without having to worry about the costs of treatment and how your employees will pay associated expenses. Cancer Insurance from Allstate Benefits can help ease that financial burden. Coverage is available for your employees and their eligible family members. Benefits can be used to help cover:
Hospital stays
Doctor bills
Co-pays and deductibles
Personal and daily expenses
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Extra coverage for more peace of mind.
Rising health care costs and high deductibles can cause added strain when a critical illness diagnosis happens. Critical Illness Insurance from Allstate Benefits can help ease the financial burden, so your employees can concentrate on getting better. Lump-sum cash benefits of $10,000 or $20,000 are paid directly to your employees or their covered family members to help with treatment expenses. And, benefit payments may be used for anything your employees and their families wish – there are no restrictions.
Protection for life's uncertainties.
Critical Illness Insurance pays benefits at the time of diagnosis, whether further treatment is received or not. Benefits are paid for medical diagnoses such as:
Heart attack
Stroke
Coronary bypass surgery
Other specified diagnoses
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Coverage that can help protect employees' paycheck.
If a covered employee is unable to work because of illness or injury, Disability Insurance from Allstate Benefits can help with a monthly cash benefit until they are able to return to work. Employee choose a monthly benefit up to $5000 or 60 percent of employee's income, which ever is greater. Benefits can help cover expense like:
Mortgage or rent
Personal assistance
Groceries
Car payments
More
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Coverage for hospital stays.
Hospital Indemnity Insurance from Allstate Benefits pays benefits for hospital stays due to sickness or injury. Your covered employees and their eligible family members can use their benefit payments to help cover hospital costs, related expenses or anything they wish. Benefits can be paid for:
First day hospital confinement
Daily hospital confinement
Intensive care unit confinement
Start at less than $8 per month
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When it comes to life insurance, there are two main types of policies: permanent life insurance and term life insurance. Whole life insurance is considered permanent, which means the insured person is covered for the duration of their life, when premiums are paid on time. It also offers a savings component called “cash value,” much like other permanent life insurance policies.
Whole life insurance is the most common type of permanent life insurance, according to the Insurance Information Institute. This is likely due to the benefits of this policy, which make it an appealing choice for many families.
Your premiums and death benefit are fixed for your whole life.
Your death benefit is guaranteed if the required payments are made.
Coverage is guaranteed up to $130,000 employee, $40,000 spouse, and $20,000 children.
You may be able to withdraw funds or take out a loan, since this policy builds cash value.
Life insurance can help your loved ones:
Cover the rising cost of funeral expenses
Replace lost wages or the value of your time (e.g., stay-at-home spouse)
Pay off debt
Provide for a college education
Leave an inheritance
Secure your business
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Identity fraud can happen when you least expect it.
With Allstate identity restoration, if your information is compromised and you experience identity fraud, our specialists work to restore your credit, identity, accounts, finances, and sense of security.
This isn’t a typical identity protection plan. We redefined identity protection by prioritizing what you need the most: a dedicated restoration specialist in your corner.
Less than $6 per month
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U.S. Legal Services Family Defender™ protects you and your family through a wide range of legal services.
Our plan covers personal legal matters, including, but not limited to, estate planning, immigration, divorce, child support, child custody, traffic violations, debt, civil law, elder law, and more.
Less than $19 per month
Employers offer voluntary benefits to their employees for several key reasons.
Employee Wellness
Voluntary benefits can contribute to overall employee wellness. Options such as supplemental health insurance, wellness programs, and financial planning services can support employees in managing various aspects of their lives, leading to a healthier and more productive workforce.
Attracting Top Talent
Offering voluntary benefits can help employers differentiate themselves in a competitive job market. Companies that offer comprehensive benefits packages often have an edge in attracting top talent, especially in industries where skilled workers are in high demand.
Employee Compensation
These benefits enhance the overall compensation package, providing employees with options catering to their needs and preferences. By offering a variety of voluntary benefits, employers can attract a diverse workforce and improve employee satisfaction.
Tax Advantages
Voluntary benefits can offer tax advantages for both employers and employees. In many cases, contributions to these benefits can be made through pre-tax payroll deductions, reducing taxable income for employees while potentially lowering payroll taxes for employers.
Employee Retention
Voluntary benefits can play a significant role in employee retention. When employees feel that their employer prioritizes their well-being and offers tailored options, they are more likely to stay with the organization. This can help decrease turnover costs and preserve institutional knowledge.
Employee Satisfaction
Overall, by providing voluntary benefits, employers can foster a positive workplace culture, enhance employee engagement, and meet the diverse needs of their workforce.
How to become a participation employer
To get started, set up your first appointment with an Allstate Benefits voluntary benefits expert for the State of South Carolina. They will guide you on what is required to sponsor and offer your employees this unique voluntary benefit program. This session will take approximately 30 minutes.
Already a participating employer?
If you are already a public employer in South Carolina offering the SC Allstate Benefits voluntary program, our local support team is ready to assist you and can attend your next event.