A recent Towers Watson study on Global Benefit Attitudes shows that one of the best ways to attract and retain quality employees is to offer a comprehensive benefit package. One of the ways to build your benefit package is by offering your employees Supplemental benefits. Supplemental benefits, which are also known as Voluntary benefits, are a cost-effective solution that helps employees off-set the out of pocket cost of medical expenses such as co-pays and deductibles. Why is this important? According to a survey done by Bankrate, more than 75% of Americans are currently living paycheck to paycheck with little or no savings to pay for a medical emergency. With the continued rise in health care costs, offering benefits that help protect your employees in time of need has never been more important.