Voluntary Benefits

Employers and employees are paying more than ever before for health insurance and medical costs, which places a significant burden on both parties. High deductibles and co-insurance now take a financial toll on employees and lower employee satisfaction rates. In today’s insurance climate, employers are spending record amounts to provide employee benefits and employees have never been less satisfied with the benefits they are receiving.

Malden Solutions offers an impressive catalog of voluntary insurance offerings to bridge the gap between what your business can afford to offer and what you need to offer your employees for their satisfaction. Voluntary benefits are free for employers to provide and can lead to federal tax breaks, depending on the plans you choose to offer. As a voluntary benefits consulting firm, we can offer voluntary benefits to companies of any size, particularly those with fewer than 100 employees. If you have over 100 employees, your company may be eligible for group voluntary benefit pricing. Voluntary benefits are a transformative way to offer compelling employee benefits without breaking your bank.

Work with an Experienced Voluntary Benefits Enrollment Firm

Voluntary benefits are very different from traditional employee benefits, so you need an expert hand to guide you through the selection and enrollment process to ensure maximum participation and success. Malden Solutions provides seamless, turn-key set-up for our voluntary benefit offerings. We have worked with countless businesses to boost employee satisfaction through the roof and reduce employer costs. To navigate the world of voluntary benefits, work with Malden Solutions and The MWE Partnership.

Voluntary Benefit Offerings

Our robust catalog of voluntary benefit offerings includes:

Accident Insurance

Voluntary accident insurance is a complement to your short-term and long-term disability insurance and health insurance. Accident insurance provides an additional financial safety net if an accident occurs. Since accidents are just that—accidents, they are often sudden and financially devastating. Accident insurance can offset the financial burden of tragedy and allow you to focus on your family instead of paying mounting bills.

Hospital Indemnity Insurance

Hospital stays, even ones that are brief, can cause tremendous medical bills in the aftermath that are only partially covered by traditional health insurance. Hospital indemnity insurance is a form of voluntary supplemental insurance that allows you to claim a portion of your hospital stay (typically a set amount per night) against your policy. High-quality hospital indemnity insurance policies can also provide coverage for ambulance trips, maternity visits, or surgery-related hospital stays.

Critical Illness Insurance

A devastating 62% of all personal bankruptcies in the United States every year are the direct result of critical illness. 78% of those personal bankruptcies due to critical illness were on behalf of someone who had comprehensive health insurance. Critical illness insurance can mean the difference between receiving the health care that you need and remaining financially healthy or coping with terrible financial issues while you are trying to recover from your illness. Critical illness insurance protects your family financially in the event of a major health incident, like renal failure or a stroke. An investment in critical illness insurance is an investment in the future financial health of your family.

Life Insurance

Malden Solutions offers whole, term, and universal voluntary life insurance products.


Whole life insurance is a form of permanent life insurance with fixed premiums, tax-deferred cash accumulation, and guaranteed lifetime coverage. Whole life insurance protects your family from potentially overwhelming costs in the event of your passing, for your entire life.


Term life insurance grants you coverage for a set period of time, typically between 10-30 years. Term voluntary life insurance is not permanent but does afford you the best possible coverage for the lowest possible premiums.


Universal life insurance is another form of permanent life insurance. Universal life insurance has flexible premiums and death benefits that you can adjust throughout every stage of your life. Universal life insurance offers the most flexibility and adaptability to meet your family’s exact needs.


Telemedicine voluntary benefits are an excellent way to skip the line at an urgent care facility or prevent the wait for an available appointment with your primary care provider. Telemedicine enrollment is a revolutionary way to receive the care that you need at the moment you need it. Telemedicine uses your smartphone to connect you via secure voice or video chat to your doctor. They can diagnose many common ailments and prescribe treatments to your local pharmacy, all from the flexibility and comfort of your home, 24 hours a day and 7 days a week.

Identity Theft

Voluntary identity theft insurance is the best way to protect yourself from the catastrophic financial and credit effects of identity theft. Identity theft protection insurance will offset the costs of repairing your credit history and restoring your reputation if your identity is stolen.

Dental Insurance

Many employer-offered major medical plans do not include any provisions for dental care. Voluntary dental insurance affords you a great deal of freedom when selecting a dental care provider and dramatically reduces the cost of treatment. Whether you need regular preventative dental exams or require more intensive oral surgery, dental insurance can make the treatment that you need the treatment that you can afford.

Vision Insurance

Vision insurance is an incredibly affordable voluntary insurance benefit that can completely or partially cover the cost of preventative eye exams, glasses, and other eye care. Vision insurance is a particularly important voluntary insurance option if you have a family history of eye problems, currently wear glasses or contacts, or have Diabetes.

Short-Term Disability

Many adults find themselves unexpectedly facing short periods of disability throughout their career, and short-term disability insurance is designed to cover those times. Short-term disability policies come in handy if you are injured, need to take a brief leave of absence from work for surgery, or need to take maternity leave. Depending on your voluntary policy, you could receive short-term disability benefits for a few weeks or a few months. Short-term disability insurance is incredibly affordable and a must-have for any working adult.

Long-Term Disability

Long-term disability insurance takes over where short-term disability insurance leaves off. Long-term disability insurance protects you and your family in the months or years following the expiration of your short-term benefits. Long-term disability insurance assists with your finances while you take time to recover from a major surgery, receive treatment for a major illness, or while you cope with mental illness. Long-term disability insurance should be purchased along with short-term disability and comprehensive medical insurance.

Long-Term Care Insurance

Long-term care insurance protects you and your family in the event that you need to be admitted to a long-term care facility. Depending on the policy you choose, long-term care insurance could help cover the cost of an assisted living facility, nursing home, or even in-home care. The sooner that you purchase long-term care insurance, the less expensive your policy will be. It is never too early to invest in your long-term personal and financial health!

Diverse Voluntary Benefits from Malden Solutions and The MWE Partnership

Malden Solutions has a wealth of expertise providing voluntary benefits, employee benefits, and executive benefits to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly-changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits, but also work within our surrounding communities in Baltimore, Annapolis, Columbia, and Hanover. Contact us today to learn more about how we can provide effective, dynamic solutions for your business.