Prestaciones voluntarias
Voluntary benefits refer to additional employee benefits that are offered by employers but are not mandated by law.
These benefits are typically optional, and employees can choose to participate in them based on their individual needs and preferences.
Las prestaciones voluntarias pueden ser una parte esencial de un paquete retributivo global, ya que ayudan a las empresas a atraer y retener a los mejores talentos, al tiempo que ofrecen a los empleados un conjunto más completo de opciones para satisfacer sus diversas necesidades.
¿Qué son las prestaciones voluntarias?
Voluntary benefits are non-mandatory perks provided by employers that employees can opt into—usually at a lower group rate.
These benefits supplement standard offerings like health insurance or retirement contributions and are often paid for partly or entirely by employees.
Though optional, they add significant value to an employee’s total reward package and address diverse needs across the workforce.
What are voluntary benefits for employees?
For employees, voluntary benefits are a way to personalize their benefits package. They may cover health-related costs, lifestyle needs, financial services, or even personal insurance options.
Employees choose what suits their life stage, preferences, or family responsibilities.
What is a voluntary benefits plan?
A voluntary benefits plan is the structured offering of these optional benefits within a company’s overall HR or compensation strategy.
It outlines which benefits are available, eligibility criteria, enrollment windows, and payment details.
Plans are typically administered by the employer in partnership with third-party providers.
What is the difference between mandatory and voluntary benefits?
Mandatory benefits are legally required, such as minimum wage, social security contributions, or paid leave (depending on country-specific laws). Voluntary benefits, however, are discretionary and offered as added value by the employer.
While mandatory benefits ensure compliance, voluntary ones help improve retention, morale, and job satisfaction.
Why are voluntary benefits important?
Voluntary benefits play a key role in creating a flexible and supportive workplace. Their importance stems from the value they offer to both employees and employers.
- They improve overall job satisfaction and employee well-being
- They attract talent by offering lifestyle-oriented options
- They support retention by adapting to evolving employee needs
- They provide cost-effective choices compared to market rates
- They build a positive employer brand with personalized perks
- They address unmet needs that traditional benefits may overlook
Why should companies offer voluntary benefits?
For employers, voluntary benefits strengthen the value proposition to employees while keeping benefit costs manageable.
Offering a wide selection can:
- Enhance employee engagement and loyalty
- Help differentiate your company in recruitment
- Reduce turnover and increase retention
- Give employees more control over their compensation
- Support workforce diversity by catering to individual needs
- Improve employee productivity through better financial and mental health
Encuestas sobre el pulso de los empleados:
Se trata de encuestas breves que pueden enviarse con frecuencia para comprobar rápidamente lo que piensan sus empleados sobre un tema. La encuesta consta de menos preguntas (no más de 10) para obtener la información rápidamente. Pueden administrarse a intervalos regulares (mensual/semanal/trimestral).
Reuniones individuales:
Celebrar reuniones periódicas de una hora de duración para mantener una charla informal con cada miembro del equipo es una forma excelente de hacerse una idea real de lo que les pasa. Al tratarse de una conversación segura y privada, te ayuda a obtener mejores detalles sobre un asunto.
eNPS:
eNPS (employee Net Promoter score) es una de las formas más sencillas y eficaces de evaluar la opinión de sus empleados sobre su empresa. Incluye una pregunta intrigante que mide la lealtad. Un ejemplo de preguntas de eNPS son ¿Qué probabilidades hay de que recomiende nuestra empresa a otras personas? Los empleados responden a la encuesta eNPS en una escala del 1 al 10, donde 10 significa que es "muy probable" que recomienden la empresa y 1 significa que es "muy improbable" que la recomienden.
En función de las respuestas, los empleados pueden clasificarse en tres categorías diferentes:
- Promotores
Empleados que han respondido positivamente o están de acuerdo. - Detractores
Empleados que han reaccionado negativamente o no están de acuerdo. - Pasivos
Empleados que se han mantenido neutrales con sus respuestas.
How do voluntary benefits work?
Voluntary benefits are usually offered during open enrollment or onboarding and are selected by employees based on need. Here’s how they function effectively:
- Employers negotiate group rates with benefit providers
- Employees opt in and often pay via payroll deductions
- Enrollment happens annually or during life events (marriage, childbirth)
- Benefits are customizable, so employees select what fits
- HR teams manage communication and vendor coordination
- Providers may offer platforms or mobile apps for easy access
How should HR teams communicate voluntary benefits to employees?
Clear, proactive communication is critical to maximize participation in voluntary benefit programs. HR teams can improve visibility through:
- Educational emails and benefits handbooks
- Interactive webinars and Q&A sessions
- Visual guides and comparison charts
- Story-based campaigns (e.g., employee testimonials)
- Integration with onboarding and orientation programs
- Targeted messages during life events (e.g., new parent support)
What is a voluntary benefits communication program?
A voluntary benefits communication program is a structured effort to promote awareness, usage, and value of voluntary offerings. It includes multi-channel strategies, timelines aligned with enrollment periods, and employee feedback loops.
These programs aim to ensure employees understand their options and make informed decisions.
What is a voluntary benefits survey?
A voluntary benefits survey helps employers understand employee preferences, satisfaction levels, and coverage gaps.
The results guide plan adjustments and communication strategies. HR uses these surveys to identify:
- Popular benefit choices and underused options
- Interest in new benefits like mental health or remote work perks
- Awareness gaps and communication breakdowns
- Demographic-specific needs (e.g., pet insurance for young employees)
What are the types of voluntary benefits for employees?
Voluntary benefits can be grouped into different categories based on function or value.
Here are common types:
- Employee assistance programs (EAPs): Services that provide confidential counseling and support for employees dealing with personal or work-related issues.
- Supplemental health insurance: These plans provide additional coverage beyond basic health insurance, helping employees with out-of-pocket expenses such as deductibles and co-pays.
- Pet insurance: Coverage for veterinary expenses for employees' pets, recognizing the importance of pets in many individuals' lives.
- Dental and vision insurance: Coverage for dental and vision care, which may not be included in standard health insurance plans.
- Life insurance: Employers may offer additional life insurance coverage for employees and their dependents, allowing them to secure financial protection in case of death.
- Disability insurance: This type of insurance provides income replacement if an employee is unable to work due to a covered disability.
- Identity theft protection: Protection against identity theft and assistance in the event that an employee's personal information is compromised.
- Accident insurance: Coverage for medical and out-of-pocket expenses resulting from accidents, such as fractures, dislocations, or other injuries.
- Critical illness insurance: This insurance provides a lump-sum payment if an employee is diagnosed with a covered critical illness, such as cancer, heart attack, or stroke.
- Legal assistance: Some employers offer legal services or insurance coverage to help employees with legal matters, such as will preparation, estate planning, or legal consultations.
Ofrecer una gama de prestaciones voluntarias permite a las empresas adaptar sus paquetes de prestaciones a las diversas necesidades y preferencias de sus empleados. También puede contribuir a que los empleados estén más satisfechos y comprometidos, ya que pueden elegir prestaciones que se ajusten a sus circunstancias personales.
¿Pueden los empleados personalizar sus paquetes de prestaciones voluntarias para adaptarlos a sus necesidades individuales?
Yes, employees often have the flexibility to customize their voluntary benefits packages to align with their individual needs.
This customization typically involves choosing from a range of options within each benefit category, allowing employees to select coverage levels, add family members, or opt for specific features that best suit their personal circumstances.
For example, in health insurance, employees might choose between different levels of coverage, add dental or vision options, or select supplemental insurance based on their unique requirements.
This customization ensures that employees can tailor their benefits to address their specific health, financial, and lifestyle needs.
.png)
.png)
.png)
