Home health and senior care run on aides and CNAs doing some of the most physically demanding work there is — lifting, transferring, and repositioning patients, shift after shift. Back and shoulder injuries are the number one occupational hazard in care work, and your team often has the least protection against the income hit when one happens.
Group health is a heavy commitment for an agency operating on reimbursement-driven margins. Voluntary benefits give your aides real coverage they pay for through payroll deduction, at no cost to the business — and with a larger workforce, that adds up to a meaningful benefit across your whole team.
A pulled back from a transfer, a fall, an illness picked up on the job — and an aide is out of work with no paid leave and no safety net. For an hourly caregiver, missing two or three weeks isn't an inconvenience; it's a crisis. And for you, an aide who's out means uncovered shifts and clients who still need care.
Coverage that keeps an injured aide financially stable while they recover makes it far more likely they return to your roster instead of leaving care work entirely — which, in a field with brutal turnover, is exactly the outcome you want.
Physical, hands-on caregiving with real injury risk, an hourly workforce, and no existing safety net — this is the profile voluntary benefits fit best.
Accident pays set amounts for the strains, falls, and injuries that come with patient care. Short-term disability replaces part of the income when an aide can't work. Hospital indemnity pays for each day admitted. Each aide chooses what fits.
A licensed counselor runs enrollment — virtual or onsite — and meets with each aide individually. A licensed and independent broker can build the program and handle the team side; your only ongoing task is the payroll deduction.
A licensed broker walks you through a no-cost program for your business. 15 minutes.
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