Enrollment in voluntary benefits continues to grow, with products such as critical illness and accident insurance seeing double-digit rises in participation in recent years. However, voluntary disability appears to be trailing behind as one of the lesser understood and utilized benefits, say industry experts.

“Health products such as hospital indemnity, critical illness and accident solutions can help round out the healthcare plan. But I think when those conversations happen, quite often the life and disability plan may not get the full attention it deserves,” says Phil Bruen, vice president of group life and disability products at MetLife. “I think it is an opportunity for a broker to make sure that is part of the agenda by taking a look at the plan design.”

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