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.

  • 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