Voluntary Benefits

Voluntary Benefits

Voluntary Benefits

Enhance your employee benefits package with our comprehensive voluntary benefits program.

We offer a balanced approach:

We believe finding the right mix between employer- and employee-paid products offers a balanced approach to a benefit package, one that meets both the budget needs of the organization, and employee expectations.

We’re your team:

Established, dedicated unit of benefit subject matter experts focused on voluntary benefit offerings who understand the industry and products, focus on helping employers evaluate options, and make optimal decisions for their programs.

Our solutions

Our solutions are designed to ensure that your current and future voluntary benefit plans align with your overall employee benefits goals and objectives. Our data driven processes and subject matter expertise provide our clients with the best-in-class products at the most competitive market rates.

360 Diagnostic Assessment

We will conduct a 360 Diagnostic Assessment of the benefit plans, technologies, and communications as part of our discovery session. This ensures the current and future benefit plans and costs align with the overall employee benefits, goals, and objectives.

BeneConnect and BeneConnect Flex

Our fully-customizable, customer-branded, benefits and rewards platform helps engage your audience while giving them the experience they want. Our one-stop shopping experience is available online via a mobile application with full call center support. BeneConnect for employers up to 1000 lives, and BeneConnect Flex for those seeking support for gig workers, variable hour employees, contract, part-time or adjunct staff.

Captive Solutions

Our BeneCap voluntary benefits captive is a unique market solution that drives real value to both the employee and the employer. Our voluntary benefits clients know they are getting the best benefits at a lower cost to their employees, while leveraging any additional surplus to fund other health and welfare programs to benefit their employees.

Long-Term Care

Our end-to-end long-term care solution provides you with up-to-date compliance and legislative updates, full-service RFP services, enrollment technology, communications, call center services, and ongoing program management. We do the heavy lifting and streamline the administration, so you can focus on other areas of your business.

Our Be/One solution

Be/One helps employers with fewer than 1,000 lives provide comprehensive benefits and enrollment services to their employees. You can give your employees the opportunity for added financial protection in the event of unexpected medical expenses by offering Accident, Critical Illness, and Hospital Indemnity coverage. The advantage to you? Be/One’s turnkey solution is free to the employer. Learn more about how our one-stop, full-service solution can help you support your employees’ well-being.

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Positioning health care organizations for the future

At Marsh McLennan Agency, we’re built to help you meet the future without limits. Learn more about how our team can help you thrive.


  • Accident insurance
  • Critical illness insurance
  • Hospital indemnity insurance
  • Pet insurance
  • Identity theft protection
  • Legal services
  • Long-term care
  • Retiree dental
  • Auto/home insurance
  • Individual disability insurance (IDI)
  • Vision
  • Whole life
  • Voluntary short-term disability (STD)
  • Voluntary long-term disability (LTD)
  • College planning
  • Financial Wellness
  • Student loan refinance
  • Personal loan refinance
  • Personal budget
  • Credit repair
  • Investment planning
  • Discount programs
  • Consumer products
  • Gym memberships

Proprietary solutions


BeneConnect is a fully customizable, customer branded, benefits, and rewards platform. This one-stop shopping experience is available online and via a mobile application with full call center support.

Empower Program

Empower is a low-cost and comprehensive caregiving solution to meet the needs of a diverse workforce. The flexible program design helps working caregivers to stay organized, save money, and find much needed relief.

Alternative Medicine

Members and their families save up to 50% on chiropractor services and alternative medicine treatments.

Funeral Concierge

Members and their extended families have access to discounted services and a representative who guides them on how to assist aging family members in making their final arrangements, plan their own service in advance, or respond to an unexpected death.

Stay up to date on the latest long-term care legislative updates

Check out our interactive long-term care map with current or pending legislation changes in your state.

Success stories – Voluntary Benefits

The strategy and solution to bring value.

The client’s open enrollment strategy focused on three areas:

  1. Employee awareness and appreciation of offering.
  2. Education of Consumer Driven Health Plan (CDHP), which had low participation.
  3. Promotion of financial wellness initiatives.

Our solutions included:

  • Introduction of supplemental health benefits – critical illness and accident insurance to support employee concerns regarding the CDHP.
  • Marsh McLennan Agency used the client’s existing administration technology to create a coordinated enrollment and education process.
  • We developed an integrated communications campaign to educate employees about their medical plan options and the new employee-paid offerings.

The Results: Employee participation in the CDHP tripled, increasing from 15% to 45%.

Employers thinking about implementing and/or modifying their voluntary offerings – it’s critical to do so in a smart and thoughtful manner with an advisor who can take a holistic approach.

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