Employer Sponsored Voluntary Benefit

Flexible Spending Accounts (FSA)

by PioPac Fidelity

With the Piopac Advantage, employers can sponsor Flexible Spending Accounts (FSA) through payroll.  

FSAs allow employee-funded accounts to have a pre-tax advantage for unreimbursed medical expenses and dependent day care expenses. 

Voluntary Benefits: Supplemental Health and Disability

Voluntary Benefits are voluntary supplemental health insurance and disability policies that can help protect your family's finances if an unexpected accident, critical illness or other medical emergency occurs..... so you and your family can focus on more important things- each other, your health, and your recovery.

While it is not your major medical insurance, supplemental health and disability insurance helps fill the gap when circumstances of a serious illness or injury can throw savings and retirement plans off-track.  It pays the out of pocket expenses your medical insurance may not cover or pay you cash benefits to cover for lost wages. 

 Advatanges to Policyholders

  • No provider network required
  • Cash benefits paid direct to policyholder
  • Portable coverage - take it with you wherever you go

Through our portfolio of supplemental health and disability benefits, we offer both personal and employer-sponsored voluntary benefits that allow us to bring products with competitive rates to families to help them make informed decisions about their financial future.



Accidents and injuries can happen at any place at any time.  Do you have the right protection when an unexpected trauma occurs?

With major medical health plans today having deductibles of $1,000 or higher, accident insurance can help offset the medical deductible. Accident insurance can help you pay for medical bills and other out-of-pocket expenses that often arise after an unexpected injury.

An accident insurance policy reduces the stress of being out of work so you can have a speedier recovery.     



About one-third of all people in the US will develop cancer during their lifetimes.(i)  Early detection is the key to the fight against cancer.

Cancer insurance is designed to provide benefits to help pay for the costs of cancer treatment.  Protection is key so you'll have the  wellness benefits to help you detect cancer early when it's most treatable.  When cancer is diagnosed, this policy can help pay a variety of expenses associated with cancer care, including chemotherapy and radiation, surgery, hospital confinement, transportation and lodging, and more.  

A cancer policy provides the resources to cope with any future diagnosis of cancer.

Critical Illness


A critical event can happen when you least expect it and your everyday expenses may be overwhelming.  Do you have the savings to have a financial peace of mind?

Critical illness insurance policy can help you pay the costs associated with the initial diagnosis of heart attack, stroke or other serious illness. The policy helps pay for expenses, including deductibles, co-pays, child care, credit card bills and travel for medical treatment - when cash benefits are paid to the policyholder. 

A critical illness insurance policy lessens the financial strain a major illness can create so you can focus on recovery. 

Short-Term Disability


Are you the breadwinner of the family? Studies show that just over 1 in 4 of today's 20 year-olds will become disabled before reaching age 67. (ii) 

Short Term Disability Income insurance helps replace up to 60% of your salary if you are unable to work because of a disability.  Disability plans are available for 3 months, 6 months, or 12 months disability periods, and you can select the amount you want to buy in $100 increments.  

A disability policy provides you income protection when you need it most.



A dental policy is designed to allow routine dental care and maintenance so you can have good health.  

Dental insurance provides benefits for a variety of services that does not require any provider networks, deductibles, or precertification requirements.  Select the dental care provider that meets the needs of you and your family, and fill the gap in coverage that your major medical dental plan does not cover,

Keep smiling with a dental coverage that helps you and your family build confidence.



Our eyesight is important for our everyday living, and staying sharp at work.   

A vision policy is designed to help individuals and their families  be proactive with vision care.  With annual eye exams to help maintain a healthy vision, early detection of eye diseases or disorders can help get the right treatments.

A vision policy helps you and your family stay sharp and focused on achieving your future.

Ask one of our benefits consultants about the voluntary benefits plan 

that will provide you the right protection and needs of your family today.

Contact Us

Our Partners


(i)   American Cancer Society  2016 

(ii)   Social Security Administration  August 2014 


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