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  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Our Process
    • Employee Benefits
  • General Services
    • Agent and Broker
    • Business Owner & Account Manager
    • Employee & Policyholder
  • Custom Enrollment Solutions
  • FJM-CVB PROGRAMS
  • Contact Us
  FJM & ASSOCIATES OF BUFFALO INC.
  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Our Process
    • Employee Benefits
  • General Services
    • Agent and Broker
    • Business Owner & Account Manager
    • Employee & Policyholder
  • Custom Enrollment Solutions
  • FJM-CVB PROGRAMS
  • Contact Us

Supplemental Voluntary Benefits

Today more than ever, even the best Health Insurance plans may pay only a portion of the actual costs of treatment, leaving you to deal with the potential financial burden of Co-Pays, Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages or Final Expenses.  
 
Voluntary Benefits provide a cost-effective way to enhance your medical insurance and help you prepare for life’s unexpected challenges. Paid directly to you, they can be used to pay expenses that other insurance may not cover.  

Recognizing this potential situation, your Health Insurance Broker- Sheridan Benefits, has partnered with FJM Benefits Advisors, a Family-Owned & Operated Employee Benefits Broker, to facilitate the introduction of a new Voluntary Benefits Program.  Additionaly, FJM Benefits Advisors bring with them an offer from Colonial Life (a leader in the Voluntary Benefits industry) which provides Guaranteed Issue  Accident, Critical Illness, Hospital Indemnity, Short-Term Disability and Life Insurance. 
 
All employees are encouraged to take a few moments to review the programs being offered by selecting one of the images below and clicking through to review policy brochures and information specific to You First Services employees.

You may then complete and submit the form at the bottom of this page to contact FJM Benefits Advisors directly to schedule a personal or virtual appointment with one of their representatives.


For more information on any of the plans offered through Colonial Voluntary Benefits , be sure to select the corresponding boxes below and submit.  Your FJM Benefits Advisor will contact you to review your options.

​COLONIAL LIFE VOLUNTARY BENEFITS
Select an image below for information on products offered through Colonial Voluntary Benefits
Accident Protection
Critical Illness
Medical Bridge 3000
Short-Term Disability
Life Insurance
Dental Insurance

    You First Services
    ​Info Request

    ​FJM Benefits Advisors

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