Employee Benefits

Worksite Benefits

Supplemental plans that pay cash after an accident, a diagnosis or a hospital stay.

In plain English

Worksite benefits are voluntary supplemental policies, such as accident, critical illness and hospital indemnity, that pay a cash benefit directly to the employee.

What they are

These plans don't replace health insurance. They pay a set amount to the employee when something specific happens, and the employee can use that money however they need, whether that's a deductible, a mortgage payment or time off.

Accident: pays for injuries like fractures or ER visits
Critical illness: pays a lump sum after a covered diagnosis such as cancer or a heart attack
Hospital indemnity: pays for an admission and each day in the hospital

When they help

They're most useful alongside a high-deductible health plan, where a single hospital stay can leave an employee owing thousands before coverage kicks in. They're usually voluntary and paid through payroll deduction, so they cost the employer little.

“PAKG was able to take our age-based small group plan to a level-funded plan that resulted in a massive cost savings to both our company and every single enrolled employee.”

Jessica G., Director of Operations

Where we're careful

Supplemental plans can be oversold. We'd rather offer a short, clear set of options and make sure employees understand what each one pays than flood enrollment with policies nobody uses. We'll also help employees file claims, which is where these plans often go unused.

Employee Education

Most benefits questions don't come up in November. They come up the week someone has a baby, or the day a prescription costs more than they expected.

HSA / HRA / FSA

Tax-advantaged accounts that are set up correctly and explained in plain terms.

Let’s talk about your benefits.

Tell us what you have now and what's bothering you about it. We'll take it from there.

Talk to PAKG See if PAKG is a fit