Voluntary Insurance

We know Voluntary, let us show you

Adding voluntary insurance products to a benefits program can be a powerful recruiting and retention tool for employers. These plans can be 100% employee-paid, helping provide financial protection beyond a core set of benefits.

EPIC Specialty Benefits voluntary insurance products offer more choices and coverage options at no direct cost to employers.

View our complete Voluntary Insurance brochure

Ride the Waive program

EPIC will waive Voluntary participation requirements when 80% of your client’s eligible employees receive the designated education method and make a coverage election.

  • Applies to all EPIC Voluntary products.
  • For groups of more than 25 employees – new and existing.
  • Agent, Employer and EPIC must agree to a marketing/enrollment plan, including an education program for employees, that results in 80% election (accept or decline).
  • EPIC will provide a flexible enrollment process, customized for each employer.

Voluntary Vision

Vision benefits are not just about eyewear, they are about providing vision wellness to employees – a critical component of overall health. In the workplace, healthy vision is an important issue as it is linked to enhanced job performance, job satisfaction, and quality of life.

We offer a wide range of plans and over 35,000 Davis Vision network providers.

Additional Benefits Include:1

Affinity Discount Program
Provides member savings on professional vision care services and eye wear. This program is not an insurance plan – it offers fixed out-of-pocket costs and discounts.

Discount Hearing Program
Save an average of 62% on hearing aids and receive other discounted benefits and hearing screening services.

Voluntary Dental

Our dental plans are designed to be flexible, including the ability to select coinsurance and annual deductible amounts. We offer many plan designs to fit your needs.

Additional Benefits Include:1

Affinity Discount Program
Provides member savings on professional vision care services and eye wear. This program is not an insurance plan – it offers fixed out-of-pocket costs and discounts.

Discount Hearing Program
Save an average of 62% on hearing aids and recieve other discounted benefits and hearing screening services.

Voluntary Term Life

Adding voluntary life insurance is a simple way to provide employees with the added protection they want and need, without increasing the cost of benefits.

Accidental Death and Dismemberment (AD&D) is available to add. This coverage provides a lump sum payment in the event of specific injuries or accidental death.

Dependent Term Life is also available to add. This coverage provides an easy and affordable way for your employees to extend coverage to their spouse and dependent children.

Additional Benefits Include:1

Affinity Discount Program
Provides member savings on professional vision care services and eye wear. This program is not an insurance plan – it offers fixed out-of-pocket costs and discounts.

Emergency Travel Assistance
(Available with groups over 100 members only)
Receive help anywhere in the world in the event of a medical, dental, or legal emergency. Members can access pre-qualified, English-speaking medical professionals (including doctors and pharmacists), as well as emergency medical evacuations and legal and interpreter services.

Voluntary Short-term Disability

Traditional short-term disability can take weeks to receive the initial payment. EPIC’s Rapid Pay Income ReplacementSM (Short-term Disability) coverage provides advance payments to a disabled employee while the claim is being processed – decision is made in 2 days!

Additional Benefits Include:1

Affinity Discount Program
Provides member savings on professional vision care services and eye wear. This program is not an insurance plan – it offers fixed out-of-pocket costs and discounts.

My Notification Service (MNS)
(Available with groups over 100 members only)
Should you have a medical emergency and are unable to communicate, your medical information will be provided to the responding hospital emergency room in minutes. MNS will also notify up to nine emergency contacts you designate and advise them of your emergency.

Maternity Disability Payments
When out on a maternity claim, EPIC will pay the entire claim in one lump sum amount, providing financial relief during a life changing event.

Voluntary Long-term Disability

Help protect your employees’ income should a long-term illness or injury occur that affects their ability to work. When employees become disabled, many assume Social Security or Workers’ Compensation will cover them; however, this is not always the case.

Additional Benefits Include:1

Affinity Discount Program
Provides member savings on professional vision care services and eye wear. This program is not an insurance plan – it offers fixed out-of-pocket costs and discounts.

Employee Assistance Program
Provides personalized behavioral health, financial, and legal consultation from qualified professionals. Unlimited telephone access to a behavioral health clinic is included, along with five confidential face to face sessions with a counselor, financial planner, or legal advisor.

Employee Assistance Program
Provides personalized behavioral health, financial, and legal consultation from qualified professionals. Unlimited telephone access to a behavioral health clinic is included, along with five confidential face to face sessions with a counselor, financial planner, or legal advisor.

Voluntary Identity Theft Resolution Services1

Each year, millions of Americans are victims of identity fraud. The Iris® Identity Theft Resolution Services protection program offers 24/7 customer assistance and full-service resolution if you should become a victim of identity theft. The list of services includes:

  • Opt-out services remove you from credit card direct mail offers and marketing phone calls.
  • Affidavit submission helps you dispute any fraudulent claims or activity.
  • Credit information review helps you determine if fraud has occurred, explains contributing factors, and provides instruction on steps to avoid further incidents.
  • Creditor notification and follow up contacts the creditor’s fraud departments with itemized account statements to dispute each fraudulent occurrence on your behalf.
  • Emergency cash advance and travel arrangements helps if identity theft occurs while traveling more than 100 miles away from home.
  • Three bureau credit freeze assistance blocks all new credit activity on a credit file, by working with you to place a freeze on your credit records with the major credit bureaus.
  • Lost wallet assistance helps notify the appropriate bank or issuing authority to cancel and replace stolen or missing items, such as cards and documents.

Voluntary Fraud Review Service1 2

Don’t be a victim. The ScamAssist™ Fraud Review Service reviews offers you receive to see if they may be fraudulent, researches organizations for legitimacy, compares offers to known scams and phishing schemes, and provides a report of the assessment.

These precautions help reduce the chances of you inadvertently providing funds or sensitive information to a con artist.

You can submit any of the following solicitation types to the service via email and/or phone:

  • Emails
  • Websites or web links/URLs
  • Flyers or postal mailings
  • Phone calls or voicemails
  • Text messages

Specialists review and research any unfamiliar solicitation to give you guidance on the probable legitimacy of the solicitation. In just 24 hours, they’ll scrutinize your submitted message for signs of fraud, do research on the organization, compare it against known schemes, and get back to you with a written assessment of the level of legitimacy of the message you submitted.


Learn about The EPIC Difference

1Program is not part of the insurance policy and enrollment is subject to contract renewal.

2The service provider is not responsible or liable for the availability, safety, accuracy, or effectiveness of the techniques, products, tools, or resources used by the service provider in its ScamAssist™ service and your access and use of ScamAssist™ is entirely at your own risk.

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