Flexible Voluntary Benefits for Businesses
Give Your Employees More — Without Increasing Overhead
At BlackIron Financial, we help Indiana employers offer meaningful voluntary benefitsthat employees actually want, without raising your company’s costs. These are supplemental, employee-paid plans that enhance your benefits package, attract top talent, and keep your workforce protected.
What Are Voluntary Benefits?
Voluntary benefits are optional insurance plans that employees can choose to enroll in, typically through payroll deduction. These benefits often come at no direct cost to the employer but provide high perceived value to employees. The result: better retention, improved satisfaction, and reduced financial stress among your team.
Dental Insurance
Preventative Care That Pays Off
Good oral health is tied to overall health, and dental coverage is consistently one of the most requested benefits. Employees rank dental insurance as the second most desired benefit after health coverage.
100% preventive care coverage (cleanings, exams, X-rays)
Coverage for basic and major services
Orthodontic options available
Large PPO network for maximum access
Short-Term Disability (STD)
Income Protection When It’s Needed Most
When illness or injury strikes, STD coverage ensures your employees can recover without financial panic.
Highlights:
Replaces a portion of income during recovery
Employer-sponsored or fully voluntary
Easy enrollment, no exams required for many
Starts paying benefits quickly (as little as 7 days)
Life Insurance
Peace of Mind for Every Family Stage
Life insurance is a foundational protection benefit. Whether it’s a basic policy or a more robust option with living benefits, employees value the ability to protect their families affordably.
Highlights:
Group term life and voluntary whole life
Options with living benefits (chronic, critical illness)
Portable coverage — stays with the employee
Spouse and dependent coverage available
Other Popular Voluntary Benefits
Enhance your offering with additional flexible options:
Vision Insurance — Annual eye exams, glasses, contacts, and more
Critical Illness Coverage— Lump sum payouts for cancer, heart attack, stroke, and more
Accident Insurance— Pays for injuries, ER visits, and out-of-pocket costs
Hospital Indemnity— Daily cash benefits for hospital stays
Legal & ID Theft Plans— Protect employees’ legal rights and personal identity
Why BlackIron?
We don’t just enroll your team and disappear. We guide you through plan selection, employee education, and renewal strategies so your team sees real value — and you don’t get buried in administration.
Voluntary benefits are only voluntary if they actually help.
We make sure they do.
BlackIron Financial