Better benefits for your team — without growing your budget.
Work directly with Sandra Driver — Texoma's specialist in voluntary benefits for small business — to design and roll out voluntary and worksite benefits your employees will actually use. No cost to your business. No disruption to your payroll team. No minimum participation requirements.
Big-company benefits, on a small-business budget.
Voluntary benefits — also known as worksite benefits — are insurance products your employees can choose to buy through your business, usually paid through payroll deduction.
For small business owners specifically, this category opens a door that group medical often can't — affordable, employee-paid coverage that strengthens your offer letter without straining your payroll budget. Whether you're a 10-person plumbing crew or a 75-person manufacturer, voluntary benefits for small business work the same way they do for larger employers, with identical per-employee economics. The size of your team doesn't change the quality of the coverage available to them.
For most employers, the entire program runs at zero direct cost. Premiums can usually be set up pre-tax through a Section 125 plan, saving your employees 20–30% versus buying the same coverage on the open market.
- Strengthen your hiring and retention story
- Give employees real protection against unexpected costs
- No disruption to your existing major medical plan
- Simple payroll deduction — works with most payroll vendors
- Year-round service, claims advocacy, and re-enrollment
Set up voluntary benefits for small business in four simple steps.
Most small business engagements move from first call to active enrollment in 30 – 45 days. We handle the heavy lifting; you keep running your business.
Free Benefits Review
30-minute call to understand your team and current benefits.
Plan Design
Sandra builds a recommended product mix and rate structure.
Enrollment
Our counselors meet 1-on-1 with each employee — onsite or virtual.
Ongoing Support
New-hire enrollments, claims help, and an annual re-enrollment touchpoint.
What employers usually want to know
What does this cost my business?
In most cases, nothing. Voluntary benefits for small business are typically employee-paid through payroll deduction, with the employer's role limited to making the products available and setting up the deduction.
Will it disrupt my current medical plan?
No. Voluntary benefits sit on top of whatever major medical plan you already offer — or, for businesses without group medical, they stand alone as a meaningful safety net for employees.
How small is too small?
We typically work with employers from about 10 employees on up. There's no maximum — Sandra serves everyone from 10-person crews to 200-plus headcount manufacturers across Texas and Oklahoma.
Does this work with my payroll provider?
Almost certainly. Colonial Life integrates with the major payroll and HRIS systems — Gusto, ADP, Paychex, QuickBooks, Paylocity, and others.
What's the difference between voluntary benefits and worksite benefits?
Nothing — they're the same thing. "Voluntary benefits" is the broker-industry term and "worksite benefits" is what Colonial Life officially uses. Both refer to the same workplace insurance products employees can buy through payroll deduction.
Is Sandra Driver part of Colonial Life corporate?
Sandra is an exclusive independent agent of Colonial Life & Accident Insurance Company, operating as the District General Agent for the Texoma region.
Want to see what a program would look like?
Get a no-cost, no-obligation benefits review.