Ancillary Products

We consult on a wide variety of options in order to fully customize and compliment your companies benefit solutions. Dental Plans, either insured or self funded PPOs, along with Vision Plans, including carve out or integrated, are common products that we specialize in.  Other Ancillary products which we consult on include; Life, NY disability (DBL), Short-term disability (ST DBL), Long-term disability (LT-DBL), Accidental Death & Dismemberment, Workers Compensation, and Analytical/Financial Services.  All of which can be either insured or self funded. Additionally, other ancillary solutions are Voluntary, employee paid products.  These include; Supplemental Life Insurance, Cancer Insurance, Critical Illness Insurance, Auto/Homeowners Insurance, Disability programs, Long-term Care Insurance, and Pre-Paid Legal Services. Whether it is review or analysis of current products or consideration of a new offering, Smola Consulting is confident we can meet your ancillary needs.

A List of Ancillary Products


  • insured or self-funded
    • Life
    • NY disability (DBL)
    • Short-term disability (ST DBL)
    • Long-term disability (LT-DBL)
    • Accidental Death & Dismemberment
    • Long Term Care Insurance


  • Employee Paid
    • Supplemental Life Insurance
    • Cancer Insurance
    • Critical Illness Insurance Service
    • Auto/Homeowners Insurance
    • Disability programs
    • Long-term Care Insurance
    • Pre-Paid Legal Services

Dental Products

  • Dental Plans
    • PPO
  • Insured or Self-Funded

Vision Products

  • Carve Out
  • Integrated