Brokers can help consumers navigate voluntary benefits

Voluntary benefits such as critical illness, hospital indemnity, short- and long-term disability, and personal accident insurance can be important financial protection devices and hedge against high expenses, particularly for employees enrolled in consumer-directed health plans, says Karen Frost, a senior vice president at Aon Hewitt. Some employers also offer auto, home and pet insurance as conveniences. Experts say consumers should talk with a broker or other professional before choosing voluntary benefits to ensure they are getting the best rates. Reuters