Complete your benefits package with essential supplemental coverage your employees need
Learn About Ancillary BenefitsWhile health insurance is essential, a comprehensive benefits package includes supplemental coverage that protects employees and their families from gaps in medical coverage. Ancillary and voluntary benefits address healthcare needs that major medical plans don't fully cover, like dental care, vision care, and protection against unexpected life events.
MFIS helps businesses design benefits packages that attract talent, demonstrate employee care, and provide meaningful financial protection. We source competitive rates and simplified enrollment processes so your employees get the coverage they need.
Routine cleanings, exams, fillings, and major restorative work coverage
Eye exams, glasses, contacts, and lens coverage at reduced costs
Hearing aids, exams, and hearing healthcare services
Group term life coverage for financial security and family protection
Short and long-term income protection if unable to work
Cash benefits for serious illnesses like cancer, heart attack, stroke
Dental coverage ensures employees maintain oral health without prohibitive out-of-pocket costs. Plans typically cover preventive care (cleanings, exams), basic services (fillings, extractions), and major services (crowns, bridges, dentures) at varying benefit levels.
Healthy teeth and gums contribute to overall wellness and confidence at work. We source plans with reasonable deductibles, annual maximums, and waiting periods that meet your needs.
Vision coverage makes routine eye care and corrective lenses affordable. Plans include coverage for eye exams, eyeglasses, contacts, and surgical procedures like LASIK. Discounts on frames and lenses make these benefits even more valuable.
Preventive eye care helps detect serious health conditions like glaucoma, diabetes, and high blood pressure. Our vision plans make eye health accessible for all employees and their families.
Group life insurance provides a death benefit to employee families, offering financial protection and peace of mind. Typical plans offer 1x to 3x annual salary in coverage. AD&D coverage provides additional benefits for accidental injuries.
This essential benefit is often the first major life insurance many young employees obtain, establishing critical financial protection when their families need it most.
Short-term disability replaces a portion of income (typically 50-66%) when employees are unable to work due to illness or injury. Coverage usually begins after a short waiting period (3-14 days) and lasts 3-6 months.
STD provides crucial financial stability during recovery, helping employees focus on healing rather than financial stress.
Long-term disability provides extended income protection (typically 50-66% of salary) for disabilities lasting beyond short-term coverage, often until retirement age. This benefit protects employees facing serious, extended health challenges.
LTD coverage offers invaluable protection against devastating financial consequences of prolonged disability, ensuring employees and families maintain income stability.
These voluntary benefits provide lump-sum cash payments when employees experience serious health events (heart attack, stroke, cancer) or accidents. The cash benefit can be used for medical expenses, bills, or recovery needs.
Unlike disability coverage, critical illness benefits don't require a waiting period and provide immediate funds exactly when families face greatest financial stress.
Standalone hearing coverage addresses a significant gap in most health plans. Coverage includes hearing exams, hearing aids, batteries, and related services at reduced costs through a network of hearing care providers.
Early detection and treatment of hearing loss improves quality of life and has been linked to better cognitive health and workplace safety.
Many ancillary benefits are structured as voluntary/employee-paid options, allowing employees to customize their coverage based on personal needs. Employers can subsidize these benefits fully, partially, or allow employees to pay independently.
Let's design a comprehensive ancillary benefits program that shows employees you truly care about their well-being.
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