Voluntary:
Plans are available on a 100% employee paid basis. No employer contribution is required. Voluntary plans typically require 20% participation from the eligible group.
Click here for a complete discussion of Voluntary Benefits
Contributory:
Plans are available with the employer and the employee sharing the premiums. Contributory plans typically require 75% participation from the eligible group.
Employer Paid:
Plans are available on an employer pay all basis. If your plan is 100% employer paid the carriers typically require you to cover 100% of your benefit eligible employees.