Voluntary Benefits That Strengthen Your Workforce—and Your Business
At Combs & Company, our voluntary benefits solutions are designed to give your employees more without increasing your bottom line. These customizable, employee-paid benefits—such as dental, vision, disability, and more—enhance your team’s protection and satisfaction while positioning your company as a modern, employee-focused employer. In today’s competitive hiring landscape, offering voluntary benefits isn't just a perk—it’s a strategic advantage.
We help you build a flexible and compelling benefits package that supports your people and aligns with your company culture, without straining your budget. With 20+ years of experience advising businesses across the U.S., Combs & Company simplifies the process and ensures you’re offering the right voluntary benefits at the right time.
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Why Voluntary Benefits Are a Smart Business Strategy
Providing voluntary benefits empowers employees with choice while allowing employers to stand out without adding significant costs. These benefits are 100% employee-paid through payroll deductions—giving your team access to discounted group coverage and value-added protection, all while you maintain control over your benefits budget.
Whether you’re a growing company trying to compete for top talent or an established business looking to reinforce retention, voluntary benefits offer lasting advantages:
- Enhanced Recruitment & Retention: Show candidates you’re invested in their well-being with a benefits package that extends beyond the basics.
- Increased Employee Satisfaction: Voluntary benefits offer peace of mind and personalization, helping employees feel valued and protected.
- No Direct Cost to Employer: You provide access to valuable benefits without increasing fixed expenses.
- Stronger Company Culture: Support your employees’ diverse needs, reinforcing a workplace that cares about every individual.

From vision and dental coverage to life insurance, critical illness protection, disability insurance, and more—Combs & Company helps you design a tailored offering that supports your people and scales with your business.
What Voluntary Benefits Can Include
Voluntary benefits packages can be designed to address a wide variety of needs, from everyday health expenses to long-term financial protection. Some of the most common voluntary benefits we help clients offer include:
- Dental Insurance – Preventive care, cleanings, exams, and coverage for major services
- Vision Insurance – Eye exams, lenses, frames, and corrective treatments
- Short- and Long-Term Disability Insurance
- Life Insurance – Term and permanent options
- Accident Insurance
- Critical Illness Coverage
- Hospital Indemnity Insurance
- Legal Assistance & Identity Theft Protection
- Pet Insurance
We guide you through every option—so you can choose what’s right for your workforce, your industry, and your growth goals.
Are Voluntary Benefits Worth It?
Absolutely. Voluntary benefits add measurable value to both employees and employers. For employees, they provide access to important protections at group rates, with convenient payroll deductions and no medical underwriting in many cases. For employers, they enhance your benefits package without impacting your costs, improving recruiting, engagement, and retention.
By offering voluntary benefits, you also send a clear message: you care about your employees’ total well-being. That message helps reinforce loyalty, boost morale, and increase productivity across the board.
And with Combs & Company as your broker, you get a partner who makes implementation seamless and ongoing management simple—so you can focus on your business, not paperwork.
Which Two Are Considered the Most Common Forms of Voluntary Benefits?
The two most widely offered and utilized voluntary benefits are:
1. Dental Insurance – Often including preventive care, X-rays, cleanings, fillings, and major restorative treatments.
2. Vision Insurance – Covering eye exams, frames, lenses, and even corrective surgeries in some cases.
These benefits are frequently chosen by employees because they address real, everyday needs. They also represent the cornerstone of many voluntary benefits packages because of their affordability and high utilization rates.

At Combs & Company, we help you implement dental and vision plans that maximize employee value while minimizing administrative headaches.
What Makes Combs & Company the Right Choice for Voluntary Benefits?
With more than 20 years of experience and 15,000+ clients served, Combs & Company isn’t just another insurance brokerage—we’re your strategic benefits partner.
Our team understands that offering voluntary benefits isn’t just about checking boxes—it’s about building a better workplace. That’s why we bring:
- Deep industry expertise across multiple sectors
- Custom-built plan recommendations tailored to your team
- Ongoing compliance support (including ACA/ERISA)
- A clear, educational approach so you understand every choice

We don’t just enroll your team and walk away—we stay with you for the long haul. From onboarding to renewals to claims questions, our client service team is known for being hands-on, accessible, and responsive.
FAQs About Voluntary Benefits
1. What are voluntary benefits, and how do they work?
Voluntary benefits are optional insurance products that employees can choose to enroll in through their employer. These are typically paid for by the employee via payroll deductions. Employers don’t contribute to the cost, but by offering access to group rates, they help employees get better coverage than they could on their own. Examples include dental, vision, life, disability, accident, and more.
2. Do employers pay for voluntary benefits?
No—voluntary benefits are typically 100% employee-paid. However, employers play a key role by selecting plans, offering them through payroll, and helping communicate the value to employees. This allows companies to provide a richer benefits experience at no direct cost.
3. How do voluntary benefits help retain employees?
Today’s employees are looking for benefits that go beyond the basics. By offering voluntary benefits, you give your team access to customizable protection they value—making them feel seen, supported, and more likely to stay. These benefits contribute to overall satisfaction and reinforce a culture of care.
4. Can small businesses offer voluntary benefits?
Yes, small businesses can absolutely offer voluntary benefits, and often see a significant return in employee satisfaction and competitive hiring. With the help of Combs & Company, even businesses with just a few employees can access quality benefit options and offer them without the burden of increased premiums.
5. How do I choose which voluntary benefits to offer my team?
The right benefits depend on your workforce’s needs, industry norms, and what matters most to your employees. Combs & Company helps you analyze these factors, compare available plans, and build a menu of voluntary benefits that aligns with your company’s values and budget goals.
Ready to Offer Voluntary Benefits That Employees Actually Want?
Partner with Combs & Company to create a voluntary benefits package that sets your business apart. We’ll help you navigate options, communicate with your team, and make implementation effortless—so you can focus on growth, while your employees feel secure.
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