Voluntary benefits range from vision and dental insurance to legal and homeowner protection-perks that are available at little or no cost to the employer. The company's expenses are limited to administrative costs. Typically, employees pay the premiums. At a time when employers are trying to contain costs and retain employees, voluntary benefits have become increasingly popular - for both employers and employees.

Many employers often provide basic medical insurance benefits, but these benefits generally do not cover such costs as deductibles, loss of earning power and other out-of-pocket expenses associated with an illness or accident. Voluntary benefits policies - generally paid for by payroll deduction - can be used to help fill the gaps in primary health care plans. And, because premiums can often be paid on a pre-tax basis, you may save tax dollars.

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