What’s What?
Understanding Core vs. Voluntary Benefits
Your employee benefits package is made up of two key parts: Core Benefits, which are typically employer-funded and form the foundation of coverage, and Voluntary Benefits, which employees can choose to add for extra protection. Here's a quick overview of how each category works:
We’ll help you create a tailored benefits package that supports your business and makes you the boss they brag about.
That moment your crew learns you’ve served up benefits worth sticking around for.
Core Benefits (Usually Employer-Funded)
Health Insurance - Covers doctor visits, hospitalization, prescriptions, and preventive care. The foundation of your benefits package.
Dental Insurance - Covers cleanings, fillings, and major dental work. Preventive care often covered at 100%.
Vision Insurance - Helps pay for annual eye exams, glasses, and contacts. Includes discounts on LASIK.
Life Insurance - Group life offers a payout to an employee’s beneficiaries. Can include optional spouse/child coverage.
Voluntary Benefits (Employee-Funded, Optional, or Sometimes Employer Funded)
Disability Insurance
Short-Term: Covers temporary income loss (e.g., surgery recovery, maternity leave).
Long-Term: Covers income loss from extended disability or serious illness.
Accident Insurance - Pays cash directly to the employee for accidental injuries (ER visits, broken bones, etc.).
Hospital Indemnity - Pays a fixed benefit per day or stay in the hospital — helps with costs beyond standard health insurance.
Critical Illness Insurance - Provides employees with a lump-sum payment if they’re diagnosed with a covered serious illness such as cancer, heart attack, or stroke.
Offering benefits as a food service business makes you an employer of choice for top talent in the industry.
