I think I told you about my former co-worker that received over $23,000.00 from voluntary benefits.  He was hurt very badly and had to be flown to shock trauma. Compound fracture of the leg and was out of work for over a year. He literally had follow-up visits several times weekly for months and had to be in a rehabilitation hospital. He actually made more money between WC and voluntary benefits in that two year period than he normally would have working full-time. He was able to buy a brand new car with cash and pay his daughters college loans off.