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What is the Worksite Advantage Program?
Globe Life Liberty National Division offers affordable supplemental life and health insurance. In today’s economy of financial uncertainties, feel at ease knowing we have a proven record of stability and financial strength. 

As a business owner, we know you value giving your employees opportunity and choices, but we also know those benefits come at a cost – we’re here to help with that. A Section 125 Cafeteria Plan allows employees to pay for their premiums with pretax dollars, which reduces taxable employee income. This helps business owners cut back on overall payroll taxes.

Our Section 125 Cafeteria Plan and products can help by:

1. Saving money for your business by reducing state and federal payroll taxes
2. Protecting your employees from financial distress by offering budget-friendly supplemental life and health insurance
3. Saving money for your employees with the opportunity to purchase pretax insurance plans.

Why take advantage of the Section 125 cafeteria plan?
Many business owners have taken advantage of the Section 125 tax law created by the Internal Revenue Service (IRS) to save money on state and federal payroll taxes. A Section 125 Cafeteria Plan also lowers taxable income for employees. By giving employees the opportunity to purchase pretax products, you can significantly increase employee retention and morale.

Who qualifies for Liberty National’s Worksite Advantage program?
We service many businesses, from small to large corporations, local and state groups, and school systems*. We understand every business is unique and can tailor our plans to meet your needs. There is a minimum of 5 employees who work 28+ hours per week (including owners). *Note: Certain industries require special approval. Not all industries are eligible for Worksite Advantage. Schedule and appointment to discuss your eligibility.

Is there a fee to sign up for the Worksite Advantage Program?
No. Globe Life Liberty National Division’s Worksite Advantage is self-administered, so there are no setup or administrative fees.

How can the Worksite Advantage Program save my company money?
With lower taxable employee gross income, your business spends less on contributions toward Social Security, workers’ compensation, and unemployment insurance taxes. Each time an employee participates in the Plan, your overall taxable payroll contribution decreases.

What kind of insurance does the Worksite Advantage Program offer?
Studies have found that 62% of bankruptcies are caused by medical issues.¹ Because of that, Globe Life Liberty National Division is committed to protecting our communities from the burden of medical expenses. Our supplemental life and health insurance plans are designed to help cover the gap between primary insurance and out-of-pocket expenses. With a variety of products, we can help protect your employees and their families’ financial future.

• Final Expenses: A lump sum payout that can help with funeral costs, debt, or other expenses that may come after death
• Mortgage Protection: Know that your family will not lose their home if the primary breadwinner passes away. Helps cover mortgage or rent costs.
• Life Insurance: A simple, flexible, and affordable solution that helps leave the family with extra financial cushion if the primary breadwinner passed away
• Accident protection: Ongoing coverage that can help lessen out-of-pocket expenses due to an unexpected accident
• Cancer: From treatment to childcare, these benefits can help with the direct and indirect costs of cancer
• Critical Illness: Coverage that can help pay for out-of-pocket expenses from heart attacks, strokes, or other diseases
• Discount Program: A no-cost, optional program available for most small businesses with less than 10 employees

Payroll Administrators: How does Liberty National make this process easier for the Administrators since it is “self-administered?”
Worksite payroll deduction and billing follows a simple 3-step process that makes it easy for payroll administrators to keep track of premium payments. Globe Life Liberty National Division also provides the convenience of online billing to make payments, view invoice history, and much more. To help ensure a hassle-free process, our agents will work with your payroll administrators to:

1. Stay connected, especially during billing cycles to answer any questions
2. Ensure they have what they need to begin deductions on time
3. Review documents when needed
4. Pay your Worksite Bill Online