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The cost for health insurance and other benefits continues to increase, so many employers have decided to offer dental, life insurance, short-term and long-term disability, long-term care, and critical illness plans all on a voluntary basis. This allows employers to offer very competitive benefits at no cost to them. Employees can decide what coverage is important to them and what they want to pay for. This allows employees to purchase coverage at work and have their premiums conveniently deducted from their paychecks.