In this episode of the Cutting Edge Benefits Podcast, host Neil Haley and Tom Quigley, CEO of ClaimLinx, dive deep into the world of supplemental insurance—an often overlooked but powerful tool for enhancing employee benefit plans.

Tom explains why standard health coverage isn’t enough in today’s rising-cost landscape, and how supplemental benefits like critical illness, accident plans, short-term disability, and dental/vision riders can protect employees financially without burdening employers.

Learn how ClaimLinx helps businesses set up benefit banks that let employees choose the coverage that best suits their needs, all while saving the employer on payroll taxes and improving recruitment and retention.

Key topics include:

• The real cost of out-of-pocket expenses with traditional health plans
  

• How supplemental insurance fills coverage gaps
  

• Why some HR departments inadvertently hold employees back
  

• Creative ways to fund supplemental plans through payroll savings
  

• A powerful real-world story of how critical illness coverage changed one employee’s life
  

• Why Japan’s model of voluntary insurance adoption could inspire U.S. companies
  

Whether you’re a business owner, HR leader, or employee advocate, this episode reveals how supplemental coverage is not just a “nice to have”—it's a strategic advantage.

👉 Visit ClaimLinx.com to schedule a call and learn how to build smarter, more flexible benefits for your team.