Protect More.
Risk Less.
G. Wenzel Insurance LLC
Helping Massachusetts & Connecticut businesses and individuals prepare for life’s unexpected costs.
Independent • Trusted • Local
Protect More.
Risk Less.
G. Wenzel Insurance LLC
Helping Massachusetts & Connecticut businesses
and individuals prepare for life’s unexpected costs.
Independent • Trusted • Local
Financial Gaps Traditional Insurance Leave Behind
Unexpected medical events don’t just affect health, they affect financial stability
Healthcare costs have risen dramatically over the past several decades, leaving many families responsible for more out-of-pocket expenses than ever before. Preparing for unexpected medical events is no longer optional—it’s an essential part of long-term financial planning.
The Hidden Cost of Healthcare
It Doesn’t Stop With Medical Bills
Unexpected medical expenses don’t just impact family budgets, they can also affect employee well-being, workplace productivity, and overall business performance. As healthcare costs continue to rise, the financial burden often extends far beyond the doctor’s office.
Support You Business
Successful Companies Support Their Team
Having a plan in place before employees feel the financial burden not only helps them but helps your business as well.
Preparing Before Life Happens
Makes Recovery Easier For You and Your Family
Having a plan in place before an illness or injury occurs can provide greater financial flexibility and peace of mind during recovery.
How We Help
A Different Approach to Benefits
Insurance can be complicated. We make the process easier by helping you understand your options, from the first conversation to ongoing support.
Insurance doesn’t have to be complicated. Our job is to make it easier to understand and easier to prepare.
Common Questions
What are voluntary benefits?
Voluntary benefits are insurance plans employees can choose to purchase, often through payroll deduction, to help cover expenses that traditional health insurance may not. They can provide cash benefits after covered accidents, illnesses, hospital stays, and other qualifying events.
Are voluntary benefits the same as health insurance?
No. Voluntary benefits are designed to work alongside your existing health insurance, not replace it. While health insurance helps pay medical providers, voluntary benefits often pay cash directly to you to help with deductibles, copays, lost income, groceries, childcare, or other everyday expenses.
Who receives the benefit payment?
Most voluntary benefits pay cash benefits directly to the insured person after a covered claim is approved. The money can generally be used however you choose, unless otherwise specified by the policy.
Do I have to use the money for medical bills?
No. Most supplemental insurance benefits are paid directly to you, allowing you to use the funds where they’re needed most. Whether that’s paying medical bills, covering household expenses, replacing lost income, or handling other financial obligations.
Why would I need supplemental insurance if I already have health insurance?
Health insurance helps cover medical treatment, but it doesn’t always cover every expense associated with an accident or illness. Voluntary insurance can help reduce the financial impact by providing cash benefits during recovery.
What types of voluntary benefits are available?
- Accident Insurance
- Hospital Indemnity Insurance
- Critical Illness Insurance
- Cancer Insurance
- Disability Insurance
- Life Insurance
- Dental Insurance
- Vision Insurance
Availability varies by carrier and state.
How much do voluntary benefits cost?
Costs vary depending on the type of coverage, benefit amounts, age, and other underwriting factors. Many plans are available for only a few dollars per week through payroll deduction. Contact one of our experts for a free quote.
Are these benefits only available through employers?
Not always. Many voluntary benefits can be purchased individually, depending on the carrier and state.
Do employers have to pay for voluntary benefits?
In many cases, no. Many voluntary benefit programs are employee-paid, meaning businesses can offer additional benefit options without contributing toward the premiums.
Can I keep my coverage if I leave my job?
Many voluntary benefit plans are portable, meaning you may be able to continue your coverage after leaving your employer. Portability depends on the specific policy and carrier.
How do I file a claim?
Claims can typically be filed online, through a mobile app, by phone, or by mail. Required documentation varies depending on the type of claim and the insurance carrier. Please contact an expert at G. Wenzel Insurance LLC for for information and assistance.
Will filing a claim increase my premiums?
Generally, no. Most supplemental insurance policies are not experience-rated like some other forms of insurance, so filing an eligible claim typically does not increase your premium. Refer to your specific policy for details.
Can I choose which insurance company I use?
When working with an independent agency like G. Wenzel Insurance LLC, you often have access to multiple insurance carriers. This allows us to compare options and help you find coverage that best fits your needs rather than being limited to a single company.
Why work with an independent benefits consultant?
As an independent agency, we compare options from multiple carriers and focus on finding solutions that fit your needs. We also provide year-round support, benefits education, claims assistance, policy reviews, and ongoing guidance, not just during enrollment.
Why are your services free?
For most employer groups and individual policies, our consultation, enrollment support, claims assistance, and ongoing service are provided at no additional cost to you. Our goal is to help you understand your options and make informed decisions without adding administrative costs to your business.
Testimonials
Eli
“Grace provided outstanding, receptive service at every step of the process. She carefully listened to my needs and was able to guide me in the right direction.”
Barb
“When I had to go through the claims process, Grace helped me every step of the way and made everything easy.”
Deb
Noah
Protection That Supports Your Employees — And Your Business
We help businesses build voluntary benefits programs that strengthen retention, reduce financial stress, and provide meaningful financial protection for employees.