Depending on the type of organization and the job, employee benefits may be quite different. For example, government employee benefit packages for full-time employees look very different from the packages offered to part-time employees. employee benefits services in arizona
Employee benefits packages are typically discussed during the final interview or at the time an offer is extended. The right benefits package can give you a distinct advantage in competitive recruiting situations.
Each state in the USA is different; however, there are some basic benefit laws all employers must follow.
Required benefits include:
• Provide employees time off to vote, serve on a jury and perform military service
• Comply with all workers’ compensation requirements
• Pay state and federal unemployment taxes
• Contribute to state short-term disability programs in states where such programs exist
• Comply with the Federal Family and Medical Leave (FMLA.
Figuring out small business health insurance can feel like one of the most difficult and stressful parts of running your own business. Everyone should have health insurance coverage– but the rules and available options are hard to understand.
As a small business owner, you might feel like you’re at a particular disadvantage because you don’t have the backing of a huge HR department to help you. And that’s reflected in the numbers. According to the Bureau of Labor Statistics, 88% of employers with more than 500 employees offer unum vision insurance, but only 55% of employers with fewer than 100 employees offer it.
There’s obviously a gap between health insurance coverage and small businesses. Understanding health insurance is the key to eliminating that gap. Make things a little easier on yourself by reading this all-in-one guide to searching for and choosing the best small business health insurance plan for yourself and your employees.
Know what questions to ask, what your small business health insurance plan options are, and the costs. This infographic summarizes the key points, and you can dig into the details below. Small Business Health Options Program (SHOP).
Dental Care Plan Coverage.
Companies with dental care benefits offer insurance that helps pay a portion of the cost for dental treatment and care.
Depending on the company’s policy for dental care benefits, dental coverage includes a range of treatments and procedures. Most insurance plans cover the basic procedures such as routine teeth cleaning every six months.
Dental care plans can vary from company to company, but they typically include three categories: Preventive, Basic, and Major services, which vary from semi-annual cleanings to oral surgeries. Preventative dental benefits include exams, x-rays, sealants, fluoride treatments, and children’s basic care.
Basic services would also include fillings, emergency pain relief, root canals, and dental crowns. Finally, Major services can include bridgework, wisdom teeth removal, dentures, and other complex procedures. Some plans cover all practices, like orthodontic work in addition to basic dental care.
The actual benefits of dental care plans are calculated in several ways. Some companies base their coverage on usual, customary, and reasonable (UCR) fees, while others consider the inclusions on account of a fixed fee schedule or table of allowances. Knowing the benefits and exclusions of your Dental Plan can allow you to evade unexpected fees and co-pays. If you have to pay for dental coverage through your employer, here’s how to determine whether it’s worth the expense.