--- title: 2025 Voluntary Benefit Trends description: Voluntary benefits enhance any benefits package, offering value to employees without increasing employer costs. They are effective for attracting and image: https://blog.nisbenefits.com/hubfs/blog-headers/25-vol-trends-b.jpg --- ![2025 Voluntary Benefit Trends](https://blog.nisbenefits.com/hubfs/blog-headers/25-vol-trends-b.jpg) # 2025 Voluntary Benefit Trends - Home - [Employee Benefit News for School, City and County Employers](https://blog.nisbenefits.com) - 2025 Voluntary Benefit Trends [ Tim Watson ](https://blog.nisbenefits.com/author/tim-watson) 01/15/2025 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Ancillary Benefits](https://blog.nisbenefits.com/topic/ancillary-benefits), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [0 Comments ](https://blog.nisbenefits.com/2025-voluntary-benefit-trends#postComment) 1 Minutes *2 minute read* As health care costs rise, the demand for voluntary benefits grows. These benefits, offered by employers but fully or partially paid by employees, enhance traditional packages without extra organization costs.  A 2024 Benefitfocus report shows nearly 80% of employees prefer employers offering these options. Employees appreciate these benefits for their convenient, diverse insurance options and lower premiums, offering personalized solutions for today's multigenerational workforce. Here are some of the voluntary benefits gaining traction this year.   ## **Supplemental Health Benefits** Supplemental health insurance is on the rise as employees face changing laws and growing medical debt. With nearly 1 in 12 Americans owing medical debt, and 37% unable to cover a $400 emergency, these policies offer a lifeline. Accident, critical illness, and hospital indemnity insurance help cover unexpected costs like deductibles and copays, providing peace of mind. As healthcare costs climb, these affordable plans fill coverage gaps, ensuring employees are protected. ** ** ## **Student Loan Repayment Assistance** According to the Pew Research Center, 1 in 4 U.S. adults under age 40 have student loan debt. Educational assistance programs, traditionally for tuition and supplies, can now cover student loan payments until December 31, 2025. Employers can offer up to $5,250 in tax-free student loan repayment benefits.   ## **Cybersecurity and Identity Theft Protection** Cybersecurity breaches are escalating, with attacks becoming more sophisticated. Check Point reports a 75% increase in weekly cyberattacks per organization in Q3 2024 compared to 2023. Social engineering, deepfake, and AI attacks are reshaping cybersecurity, prompting both employers and employees to enhance their defenses. These threats affect both personal and professional lives, especially as remote work and mobile device usage rise.   ## **Term Life Insurance** Financial security is crucial for many Americans, yet nearly 30% lack life insurance. Employers often offer group term life insurance, partially or fully funded, allowing employees to enhance their coverage. This benefit reflects a company's dedication to employee welfare beyond day-to-day work responsibilities.   ## **Legal Plans and Services** Legal plans can offer employees support for personal legal issues. They reduce stress and time away from work by providing assistance in areas like estate planning, real estate, and financial matters. Access to legal counsel through these plans boosts productivity and ensures employees feel secure and prepared for any legal needs.   ## **Summary** Voluntary benefits enhance any benefits package, offering value to employees without increasing employer costs. They are effective for attracting and retaining talent and allow for personalized options to meet individual needs. 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