Strengthen your employee benefits package at zero cost to your business. Voluntary benefits give your workforce access to dental, vision, disability, and life insurance — all funded by employees through convenient payroll deductions that also save you money on payroll taxes.
Voluntary benefits are employee-funded insurance products offered through your company's benefits platform. Unlike group health insurance where the employer typically contributes 50–100% of premiums, voluntary benefits are paid entirely by employees through payroll deductions. This means you can offer dental insurance, vision coverage, short-term disability, accident insurance, critical illness protection, and life insurance without spending a single dollar on premiums.
For Southwest Florida employers — especially construction companies, trades businesses, and small businesses in Fort Myers, Cape Coral, and Naples — voluntary benefits represent one of the smartest ways to build a competitive employee benefits package. Your employees get access to group rates they couldn't get on their own, and you get a stronger compensation package that helps recruit and retain skilled workers.
When voluntary benefits are offered through a Section 125 cafeteria plan, employees pay premiums with pre-tax dollars. This reduces their taxable income — and reduces your FICA payroll tax liability by 7.65% on every pre-tax dollar. For a construction company with 20 employees contributing an average of $200/month to voluntary benefits, that's over $3,600 per year in payroll tax savings for the employer.
$0
Employer Premium Cost
7.65%
FICA Tax Savings
6+
Coverage Options
Pair voluntary benefits with your group health insurance plan to create a comprehensive employee benefits package that rivals what large corporations offer — at a fraction of the cost. Combined with a level-funded health plan, this approach gives Southwest Florida businesses maximum coverage with minimum financial exposure.
No. Voluntary benefits are 100% employee-funded through payroll deductions. The employer pays nothing in premiums. In fact, when offered through a Section 125 plan, voluntary benefits can save the employer money through reduced FICA payroll taxes.
Yes. Voluntary benefits can be offered as a standalone package or alongside group health insurance. Many small Florida businesses start with voluntary benefits as a first step toward building a full employee benefits program.
Employees value access to group-rate insurance they cannot get on their own. Offering voluntary benefits signals that you care about their financial security, which can increase loyalty and reduce turnover — especially for construction and trades companies competing for skilled workers.
The most requested voluntary benefits are dental insurance, vision insurance, short-term and long-term disability, life insurance, and accident insurance. For construction and trades workers, accident and disability coverage can be especially valuable because they protect income if an injury prevents someone from working.
Yes. Many voluntary benefit carriers work with groups as small as 2 employees. Vantage Pointe sources voluntary benefit products from multiple carriers to find the best fit for your group size and employee demographics.
