Creative Employee Benefits for Small Employers
|
|
- Kerry McKinney
- 8 years ago
- Views:
Transcription
1 Creative Employee Benefits for Small Employers By Claudia St. John, Affinity HR Group, LLC
2 Today s Objectives Provide an overview of the variety of benefit programs available Identify resources for you to call on when reviewing your benefit plan Present some non-standard benefits for you to consider PLEASE SHARE YOUR BENEFIT IDEAS!!!
3 Disclaimer Content is for informational purposes only for answers to specific benefit questions, consult You insurance carrier Your broker Call Affinity HR Group!
4 Employee Benefits What are they and why have them? Employee Benefits Offered to employees for four main reasons 1. Mandated by Law 2. To attract good talent 3. To retain talent 4. Because it s the right thing to do
5 Employee Benefits What are they and why have them? Employee Benefits Indirect and non-cash compensation paid to an employee. Some benefits are mandated by law Others are optional, voluntary and vary from firm to firm or industry to industry
6 Employee Benefits What are they and why have them? Legally Required Benefits Worker s Compensation Unemployment Insurance Disability Insurance (some states) Family Medial Leave (Employers with 50+ employees)
7 Employee Benefits What are they and why have them? Standard Employee Benefits Health Insurance Life Insurance Long-Term Care Insurance Dental / Vision Retirement Benefits Flex Plans/HSA Leave
8 Employee Benefits What are they and why have them? Non-Standard Employee Benefits Workplace Flexibility Voluntary Insurance Benefits Workplace Perks
9 What Small Businesses are Buying 60% of firms with < 100 employees offer health insurance On average, those that offer health insurance cover 80% of employee premium, 65% of family premium 52% offer retirement plan 44% offer life insurance Typical comprehensive benefit package = 30% to 40% total payroll expenses (including salaries and hourly wages) Non-traditional benefits hard to calculate but have a BIG impact!
10 Health Insurance Large migration into High Deductible Health Plans Significant changes ahead in 2014! New Exchanges should help lower $ Tax credits for small businesses (fewer than 50 employees) A LOT of variability depending on your state Kaiser Family Foundation
11 Other Standard Insurance Benefits Life Insurance Very effective, low-cost benefit. Company provided or voluntary group coverage Disability (Long-Term/Short-Term) Most companies offer short term disability and offer voluntary long term Insurance. Many states have mandatory long term disability coverage (low level) Long Term Care Few offering group coverage due to lack of carriers offering product Section 125 Flex Plan / HSA Pre-tax contribution to cover qualified medical expenses
12 Standard Retirement Benefit Retirement Benefits Most Defined Benefit plans are gone 401(K) popular but require third party administration Profit Sharing combines 401(k) with discretionary bonus SEP/Simple IRA a good option for some Standard Retirement Benefit Employees contribute up to 6% of pay into 401(k) and employers match up to 3%. Employer contribution is vested.
13 Other Standard Insurance Benefits Dental Insurance Sought after for orthodenture Vision A standard benefit although usually limited Of all standard benefits, Health Insurance and Retirement are most valued. The rest are Nice- To-Haves Your Insurance Broker State Department of Insurance State Association of Insurance Agents Affinity HR Group
14 Non-Standard Insurance Benefits Supplemental Health Coverage Cancer/Disease Specific Accident/Critical Care Legal Services Employee Assistance Programs Pet Insurance
15 Innovative Benefit Ideas Workplace Flexibility Time Off Flex-time, Job share, Work from home Volunteer/pro-bono days, Summer schedule, Sabbatical Professional Development Training & education, Job share, Payment of course work at community college
16 Innovative Benefit Ideas Personal Development Dream manager, Coaching Rewards For Achievement (Personal & Professional) Time off, Volunteer time, Team activity/meals, Tis Best Financial Assistance Fun/Healthy No interest loans for appliances, Debit cards, Payment of cell phone charges Onsite massages/haircuts, Chef or healthy lunch option, Meditation, Quarterly spa give-aways, Wii tournaments
17 Remember Why We Have Benefits To Attract & Retain Employees If the investment is unlikely to affect recruiting/retention, don t make it Employees value more highly an innovative/creative benefit offering Insurance Agent/Broker the best source for insured benefits Your employees are a good source for innovative benefits :) Be creative & have fun
18 Questions? Claudia St. John Affinity HR Group LLC
How Much is Your Advertising Worth in Month?
Share s Benefit Package in Comparison with area nonprofits participating in the 2013 MBL Survey (2015 MBL Survey will be out sometime this fall) Pay Practices MBL Results 37% pay semi-monthly, 29% pay
More informationWake County Summary of Benefits 2015
Wake County Summary of Benefits 2015 wakegov.com About Wake County The County employs approximately 3,800 employees, has experienced minimal turnover for the last five years, offers a competitive benefits
More informationSmall Business Guide to Employee Benefits
Small Business Guide to Employee Benefits Sheltering You. Table of Contents What type of employee benefits are available for a small business? 3 Why should a small business offer benefits? 10 Which employee
More informationThis summary contains an overview of the benefits provided to eligible employees of ASME. HEALTH CARE OPTIONS PICK WHAT S BEST FOR YOU!
This summary contains an overview of the benefits provided to eligible employees of ASME. Eligibility: HEALTH CARE OPTIONS PICK WHAT S BEST FOR YOU! Full-time employees and part-time employees who work
More informationOptRight Online: 2013 Year End Customer Guide
November 2013 Wells Fargo Business Payroll Services OptRight Online: 2013 Year End Customer Guide 2013 Wells Fargo Bank N.A. All rights reserved. Member FDIC. Welcome to the 2013 year-end customer guide
More informationHEALTH INSURANCE CHALLENGES FACING NON-PROFITS
HEALTH INSURANCE CHALLENGES FACING NON-PROFITS Presented by: Diane Goldman, New Agency Partners Warren Cooperstein, Benefit Mall Rob Schlossberg, Benefit Mall December 12, 2012 THE PROBLEM Steadily Increasing
More informationTotal Rewards for Employees
Total Rewards for Employees Xcel Energy provides Total Rewards to employees: Pay for Time Off 9 % Other Cash Compensation 4 % Health and Welfare Benefits 17 % 60 % Base Compensation Retirement Benefits
More informationJoy Doyle, Career Development Personal Finance Series 301, 2/25/14
Joy Doyle, Career Development Personal Finance Series 301, 2/25/14 Bring on the Benefits what to know about your offer Soft Offer Initial offering of the job Hard offer Email and/or letter that reiterates
More informationThe Benefits of Working at Great-West Financial and Empower Retirement
The Benefits of Working at Great-West Financial and Empower Retirement From health and well-being to income protection, long-term financial planning and work-life balance, Great-West Financial and Empower
More informationVoluntary Benefits and Services Survey
July 20 Voluntary Benefits and Services Survey A Fresh Look at Enriching Core Benefit Plans Executive Summary Amid a fragile economy, tight benefi t and salary budgets, and new, major health care reform
More informationEmployee Satisfaction Survey Attract and Retain. What Benefit is Most Important to Employees? Employer Provided Health Insurance Changes Ahead
Navigating Employee Benefits: How to Leverage A Comprehensive Benefit Package in Your Company Magen M. Koepp, CPA Robert J. Koch, CPA March 24, 2015 Highlights of Today s Session Importance of a Comprehensive
More information509009 1/04. Benefits at CIGNA
509009 1/04 Benefits at CIGNA When you consider an employment opportunity at CIGNA, consider this: you can automatically gain access to one of the widest arrays of employee benefits and human resources
More informationThe Benefits of Bb BE @ BLACKBOARD
The Benefits of Bb www.blackboard.com/careers BE @ BLACKBOARD The passion for education and the drive to make a difference are at the core of what makes Blackboard a great place to work. Blackboard fosters
More informationHighlights of our more popular offerings include:
Highlights of our more popular offerings include: Wealth Accumulation positions you for a better tomorrow through Profit Sharing, Company match on 401(k) contributions, plus a match on the Employee Stock
More informationFrequently Asked Questions for Retirement 1. Who is eligible to retire? Employees with five years of CalPERS service, at 50 years of age or older.
Frequently Asked Questions for Retirement 1. Who is eligible to retire? Employees with five years of CalPERS service, at 50 years of age or older. 2. Are all employees eligible for retirement health benefits?
More informationSHOP: Small Business Health Options Program
SHOP: Small Business Health Options Program Presenters: Yvette Bickcom, Alper Services LLC Tracey Lipsig Kite, Healthcare Guide September 18, 2014 The Healthcare Initiative is a partner project, administered
More informationDisability. Guidelines for Disability Leave. Lawrence Livermore National Security, LLC
Lawrence Livermore National Security, LLC This checklist explains how your benefits are affected when you are on disability. You may wish to review this information with the Benefits Office to be sure
More informationA Service Contractor s Planning Guide. to the Affordable Care Act
A Service Contractor s Planning Guide to the Affordable Care Act Planning for compliance and the impact of health care reform Starts with understanding the basics: The McNamara-O Hara Service Contract
More informationPOINT OF CONTACT: Brenda Black, Human Resources Generalist Direct: 864-752-4577 b.black@thegordiangroup.com HEALTH PLANS FORM
Corporate Resources New Hire Onboarding BENEFITS OBJECTIVES After this you should be more familiar with: Gordian Health Plans HAS or FSA options Life, Accidental Death & Dismemberment Insurance Long &
More informationWe make life better! The Denver Regional Council of Governments (DRCOG) Terrific people Rewarding work Competitive pay Excellent reputation
We make life better! The Denver Regional Council of Governments (DRCOG) Terrific people Rewarding work Competitive pay Excellent reputation Great benefits! Table of Contents Who Receives Benefits? 1 Key
More informationHuman Resources Programs & Business Climate Survey Results. January 2016
Human Resources Programs & Business Climate Survey Results January 2016 Presented by: Insight Performance, Inc. 990 Washington Street, Suite S109 Dedham, MA 02026 (781) 326-8201 www.insightperformance.com
More informationFlexible Spending Accounts (Flex Accounts)
Full-Time Medical Residents, 2014 Health Plan Memorial offers two HRA/Co-insurance Medical Plans: Plan A - Lower deductible with $750 HRA and higher premium. Plan B - Higher deductible with $750 HRA and
More informationEmployee Retention Guide: How to keep your top talent on board. aicpa.org/worklife
Employee Retention Guide: How to keep your top talent on board aicpa.org/worklife The AICPA, through its Women s Initiatives Executive Committee, is dedicated to helping CPAs and organizations recruit
More informationYour HEALTH Your WEALTH Your TIME. Commerce] Benefits
Your HEALTH Your WEALTH Your TIME [ Commerce] Benefits At Commerce Bank, our people are our number one asset. Together we create the Commerce Bank culture, and through our actions we demonstrate what it
More informationCountdown to Healthcare Reform
Newtek Insurance Agency & Town of North Hempstead Business & Tourism Development Corp Countdown to Healthcare Reform Presented by: Kyle Sloane Senior Vice President Newtek Insurance Agency Newtek Insurance
More informationOVERVIEW OF EMPLOYEE BENEFITS
OVERVIEW OF EMPLOYEE BENEFITS The following is a summary of benefits as of October 1, 2015; please see the official Policy and Procedures manual for the City of Stafford or contact Human Resources for
More informationACE Advantage at a Glance ACE Center & ACE Club. Achieve
ACE Advantage at a Glance ACE Center & ACE Club Achieve ACE Advantage at a Glance ACE Center & ACE Club At ACE, we boast a strong, talented workforce featuring individuals who are among the best and brightest
More informationemployee benefits update february/march 2013
employee benefits update february/march 2013 It s time to reap the benefits of matching contributions Can you define compensation? A review of IRS definitions that affect qualified plans Offsetting stagnant
More informationSIMPLE IRA Plan. Reporting and Disclosure Requirements No annual IRS filing requirement.
SIMPLE IRA Plan A SIMPLE IRA plan provides small employers with a simplified method to contribute toward their employees' and their own retirement savings. Employees may choose to make salary reduction
More informationdental or vision care / life insurance / disability income / critical illness / long term care / [or] retirement savings.
66 Voluntary Benefits Learn How to Give Your Employees the Benefits They Want Without Any Cost to Your Business With the cost of health coverage going up every year most business owners cannot afford to
More informationThe Denver Regional Council of Governments (DRCOG) has
The Denver Regional Council of Governments (DRCOG) has Terrific people Rewarding work Competitive pay Excellent reputation Great benefits! DENVER REGIONAL COUNCIL OF GOVERNMENTS We make life better! At
More informationIdeas for Employee Benefits and Rewards
Ideas for Employee Benefits and Rewards Growing Exiting Patti Bell, The Principal Financial Group Lee Nicholas, University of Northern Iowa Disclaimer While this communication may be used to promote or
More informationNew York Health Benefit Exchange & Small Business Health Options Program (SHOP) Frequently Asked Questions for Agents and Brokers
New York Health Benefit Exchange & Small Business Health Options Program (SHOP) Frequently Asked Questions for Agents and Brokers May 9, 2013 Carrier Participation in the Exchange 1. Q: What carriers have
More informationGOLD LEVEL. PROPOSED LIST OF SERVICES AND PRICING AZNHA Members and Associate Members SERVICES
GOLD LEVEL PROPOSED LIST OF SERVICES AND PRICING AZNHA Members and Associate Members SERVICES DHR is pleased to offer the following services to members and associate members of AZNHA Payroll Services,
More information2012 Year End Accountant Guide
2012 Year End Accountant Guide For your clients using RUN Powered by ADP This guide contains information and critical dates to assist you with year end payroll and tax filing tasks. HR. Payroll. Benefits.
More informationChapter 25 - Payroll. 25.50 Payroll Deductions and Reductions
Chapter 25 - Payroll 25.50 Payroll Deductions and Reductions 25.50.10 Payroll Deduction Administration March 18, 2005 25.50.20 Mandatory (standard) deductions March 18, 2005 25.50.30 Voluntary deductions
More informationBenefits At A Glance. July 1, 2012 - June 30, 2013. Eligibility. Our Plan Year. ADP s Enrollment Module. Benefit Programs.
Benefits At A Glance July 1, 2012 - June 30, 2013 ERCOT is committed to assisting employees in maintaining a healthy, productive lifestyle for themselves and their families. We are proud to offer employees
More information1 No-Cost Employee Benefits
1 No-Cost Employee Benefits Copyright No part of this consumer report may be reproduced or transmitted in any form without the written permission of the author. This electronic book is optimized for viewing
More informationPERSONNEL RULES & REGULATIONS MANUAL SECTION 1000 RETIREMENT BENEFITS
PERSONNEL RULES & REGULATIONS MANUAL SECTION 1000 RETIREMENT BENEFITS Section 1001. Retirement Criteria a. General Retirement Plan An employee may retire under the City of Gaithersburg's General Retirement
More informationHow To Get A Health Care Plan
Your financial well-being Everyone needs to plan ahead for Medicare Having a thorough understanding of how Medicare works and the choices you need to make about its coverage is an essential part of retirement
More informationTCP2 Retirement FAQs
Table of Contents TCP2 Retirement FAQs Termination...2 Pension...3 Retiree Health & Welfare Benefits...4 LANS 401(k) Retirement Plan...6 University of California Plans...7 Return to Work...8 1 Termination
More informationUnderstanding a Health Savings Account
From Roper Insurance & Financial Services Understanding a Health Savings Account Type of Coverage Minimum Annual Deductible Individual $1,300 for 2015 $1,300 for 2016 Family $2,600 for 2015 $2,600 for
More informationSummary of Employee Benefits for Eligible Full-Time Employees Fiscal Year (July 1, 2015 June 30, 2016)
Summary of Employee Benefits for Eligible Full-Time Employees Fiscal Year (July 1, 2015 June 30, 2016) NOTE: It is the EMPLOYEE s responsibility to notify the Human Resource office of any of the following
More information2013 Year End Payroll Processing
2013 Year End Payroll Processing With the end of another calendar year upon us, we would like to take this opportunity to THANK YOU for your continued business. The fourth quarter of the year is a busy
More informationUnderstanding Benefit Practices
Business Owner Market Study Understanding Benefit Practices Principal Financial Group Public 11/12/2009 Page 1 of 16 Table of Contents Table of Contents...2 Introduction...3 Executive Summary...3 The Research...3
More informationYour Special Blend. Rewarding Our Partners
Your Special Blend Rewarding Our Partners Opportunity To make your own path and succeed. If you want the opportunity to make meaningful connections and have an impact every day, become a partner and work
More informationEBS Online Enrollment Your industry leading, complete benefits enrollment and HR administration solution. EBS Online Enrollment M024 (06/2012)
EBS Online Enrollment Your industry leading, complete benefits enrollment and HR administration solution Mission Our Online Enrollment Mission To provide you with a secure and efficient system that manages
More informationEmployee Benefits 2015 Health and Dental Plans
Piedmont Unified School District Employee Benefits 2015 Health and Dental Plans The District is pleased to provide several Kaiser Permanente health plan options and dental plan coverage from Delta Dental.
More informationEmployer's guide to health care reform
Employer's guide to health care reform Employer's guide to health care reform: the complete small business resource With the Affordable Care Act (ACA) in full swing, it s important you understand what
More informationSmall businesses and the Affordable Care Act
Affordable Care Act Small Business Guide NATIONWIDE RETIREMENT INSTITUTE SM Small businesses and the Affordable Care Act Health insurance reform and insights into employer-sponsored benefits 84% of small
More informationWhat is a Health Savings Account (HSA)?
H.S.A. FAQ s Frequently Asked Questions By Topic Health Savings Accounts What is a Health Savings Account (HSA)? Why should I consider getting an HSA? What are qualified medical expenses? What is an HSA-eligible
More informationIllness or Disability
Illness or Disability There is no formal accrual of sick leave for academics. In the contract units, however, sick leave credit is assumed to accrue only to substantiate an official record for receipt
More informationZurich North America Total Rewards (U.S.) Summary information
Zurich North America Total Rewards (U.S.) Summary information Zurich North America Total Rewards (U.S.) Summary Founded in Switzerland in 1872, Zurich is one of the world s most experienced insurers. Our
More informationBenefits Programs. For New Full-time Academic and Staff Employees
Benefits Programs For New Full-time Academic and Staff Employees Welcome Indiana University s leadership and advances in professional, medical, and technological education and new frontiers in the arts
More informationYour Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account
Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses.* A health savings account (HSA),
More informationTogether, we create chemistry. Professional and Leadership Development Programs
welcome BASF CORPORATION BASF is an Equal Opportunity Employer: M/F/D/V For more about BASF, visit: www.basf.com To explore careers and apply: basf.com/careers Connect with us: facebook.com/basf_careersna
More informationIncome Protection Plan For HGU-Represented Employees
Introduction Income Protection Plan For HGU-Represented Employees This summary is an overview of the Fluor Hanford, Inc. (FH) Income Protection Plan (IPP) for Hanford Guards Union (HGU) Local 21. This
More informationNew Client Start-up Checklist
New Client Start-up Checklist Thank you for choosing LowCostPayroll.com as your payroll service provider. In order to set your company up on our payroll system we need some information. Please review the
More informationMy SAIC Benefits. Annual Enrollment Update. Our 2014 Benefits Program. October 2013
My SAIC Benefits October 2013 Annual Enrollment Update Our 2014 Benefits Program What s Inside Our Approach to Health... Page 2 How Our Benefits Stack Up... Page 2 2014 Changes At-A-Glance... Page 3 Highlights
More informationSIMPLE IRA. Savings Incentive Match Plan for Employees
SIMPLE IRA Savings Incentive Match Plan for Employees Introducing the SIMPLE IRA Plan A comfortable retirement is an important financial goal for many American workers. Some financial professionals estimate
More informationEach payday, all employees receive one
Understanding Your Pay Information This brochure contains important information! Each payday, all employees receive one of the following: Pay statement for those who receive paper paychecks Access to epaystub
More information2014-2015 Entrust Account Guide
2014-2015 Entrust Account Guide Helping You Direct Your Future Account Guide Individual Retirement Accounts Traditional and Roth IRAs Go To Section Small Business Retirement Accounts SEP and SIMPLE IRAs
More information(market value stock grant price) number of shares you buy = compensation element
NON-QUALIFIED STOCK OPTIONS One strategy companies use to reward employees is to give them options to purchase a certain amount of the company s stock for a fixed price after a defined period of time.
More information2015 Benefits at a Glance PART-TIME EMPLOYEES
2015 Benefits at a Glance Important Note CNA Benefits at a Glance provides highlights of the employee benefit programs available to you as a CNA employee. Neither this document nor Company policies and
More informationNotice to Employees on a Personal Leave of Absence Regarding Benefits
Notice to Employees on a Personal Leave of Absence Regarding Benefits This notice contains information to help you understand the impact of a Personal Leave of Absence on Benefits. Although the information
More informationHealth & Benefits Coverage 101
Health & Benefits Coverage 101 Small Business Guidebook ADP SMALL BUSINESS GUIDEBOOK Automatic Data Processing Insurance Agency, Inc. The Basics & Key Things You Need to Know Question 1 What is Group Health
More information401(k) Plan. 2012 Benefits Open Enrollment
401(k) Plan 2012 Benefits Open Enrollment Why should an individual participate in the 401(k) plan? Participating in the 401(k) plan is an easy and convenient way for you to save for retirement. Social
More informationPPI Benefit Solutions. 2009 NONPROFIT Employee Benefit Survey
PPI Benefit Solutions 2009 NONPROFIT Employee Benefit Survey 2009 NONPROFIT EMPLOYEE BENEFIT SURVEY Page 1 Dedicated to the nonprofit sector for over 40 years, PPI Benefit Solutions is a leading provider
More informationPaychex PEO Your Professional Employer Organization
Paychex PEO Your Professional Employer Organization Human Resources for Today s Entrepreneur Comprehensive Human Resource, Payroll, and Benefits Administration Human Resources for Today s Entrepreneur
More informationSummary of Employee Benefits Full-time Regular Employees
Tooele City s Benefit Package It s About Your Health Your Lifestyle and Your Future! Summary of Employee Benefits Full-time Regular Employees Your benefit package is a large component of your total compensation
More informationA Paycheck is a paycheck is a paycheck, right? Wrong!
Meg Eynon, Vice President 610.644.4569 Meg@prfusa.com www.thepayrollfactory.com A Paycheck is a paycheck is a paycheck, right? Wrong! Ok so you get a paycheck. It is mailed to you, sent by email or handed
More informationFor people who bring it all. Every day.
For people who bring it all. Every day. All of us at UnitedHealth Group are bound by more than our mission and our culture. While we re each one of a kind, we share an incredible enthusiasm for living.
More informationPREVAILING WAGE POLICY MEMORANDUM. Ann Selover, Industrial Statistician, Prevailing Wage Program Manager
PREVAILING WAGE POLICY MEMORANDUM DATE: February 28, 2013 TO: All Interested Parties FROM: ~ Ann Selover, Industrial Statistician, Prevailing Wage Program Manager SUBJECT: How to Calculate the Hourly Rate
More informationThe Self-Employed Need Retirement, Too!
The Self-Employed Need Retirement, Too! Presented to WES February 2, 2013 Janet Hudson, CPA Pinnacle Family Advisors 4200 S. Quail Creek Ave., Ste. A Springfield, MO 65810 Pinnacle Family Advisors, LLC
More information2015 Year End Newsletter
2015 Year End Newsletter Dear Client: Please read this year-end newsletter carefully and keep it available for reference. It contains important information to help you prepare and plan for the busy months
More informationA Short Guide to your Optum Bank SM HSA. How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM.
A Short Guide to your Optum Bank SM HSA How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM. Open your HSA with Optum Bank today. It s quick and easy - go to optumbank.com
More informationClient Start-up Checklist
Client Start-up Checklist Adding clients to Intuit Online Payroll for Accounting Professionals is easy! Just gather some basic client information listed in step 1, set up your client s payroll account
More informationQualified Retirement Plans
Qualified Retirement Plans A reference guide Put together by the Qualified Plans Resource Group For Financial Professional Use Only. Not for use with the public. Any discussion pertaining to taxes in this
More informationHEALTH CARE SYSTEMS ELECTION 2012 ISSUE PAPER NO. 3 SEPTEMBER 2012. Where Are We Now?
ELECTION 2012 HEALTH CARE SYSTEMS ISSUE PAPER NO. 3 SEPTEMBER 2012 Vermont League of Cities and Towns 89 Main Street, Suite 4, Montpelier, VT 05602 (802) 229-9111 or (800) 649-7915 info@vlct.org Where
More informationTIAA 2015 Benefits AT A GLANCE
TIAA 2015 Benefits AT A GLANCE TIAA is committed to making financial well-being possible for its clients, and the company is equally committed to the well-being of its employees. That s why we offer a
More informationWalk away with an overview of your responsibilities as an employee
Objectives--- Walk away with an overview of your responsibilities as an employee Complete payroll paperwork Understand options for benefits and GEA. 1 Check out the Strategic Plan on the website under
More informationYour Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation
Your Fermilab Benefit Plans Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefits Medical and Prescription Drug Coverage Dental Plans Medical and Dental Plan Rates Additional Programs from
More informationThe health insurance marketplaces, or exchanges, created
Employee Benefits Report 2121 N Glenville Drive Richardson, TX 75082 866.881.2255 www.mgmbenefits.com Health Insurance November 2013 Volume 11 Number 11 Private Exchanges: An Option Worth Exploring An
More informationConditions of employment and additional benefits at UBS in Switzerland. Your advantages with UBS.
Conditions of employment and additional benefits at UBS in Switzerland Your advantages with UBS. We reward your personal performance. At UBS we recruit and employ the best staff members you. You can also
More informationU.S. Employees. Supporting You and Your Family Employee Benefits. Overview 2015
U.S. Employees Supporting You and Your Family Employee Benefits Overview 2015 Welcome to AECOM where you ll have the opportunity to work with some of the best and brightest minds in our industry. Your
More informationYour Special Blend. Rewarding Our Partners
Your Special Blend Rewarding Our Partners Opportunity To make your own path and succeed. If you want the opportunity to make meaningful connections and have an impact every day, become a partner and work
More informationPhil Herron, President PHerron@FourPointHR.com
Phil Herron, President PHerron@FourPointHR.com 620 Peachtree Street NE, Suite 311, Atlanta, GA 30308 P: 866.764.4042 P: 404.898.0788 F: 404.898.0388 FourPointHr.com Positioning of the PEO Role with Four
More informationHow Priorities Align with Practices
Business Owner Market Study How Priorities Align with Practices Introduction The role of small businesses in the economy of the United States is huge. According to the U.S. Small Business Administration
More informationEMPLOYEE BENEFITS SUMMARY
NONAPPROPRIATED FUNDS EMPLOYEE BENEFITS SUMMARY Your Employer of Choice www.usmc-mccs.org MEDICAL & DENTAL BENEFITS Benefits are available to employees immediately upon hire in an eligible position, No
More informationFULL-TIME FACULTY BENEFITS OVERVIEW 2014-15
FULL-TIME FACULTY BENEFITS OVERVIEW 2014-15 This document is designed to provide a brief overview of the benefits offered to full-time faculty members at Augustana College. Full-time faculty teach 21 or
More informationReal-World Thinking: Using Voluntary Benefits Today to Address Employees Lifestyle and Financial Needs for Tomorrow. A Purchasing Power White Paper
Real-World Thinking: Using Voluntary Benefits Today to Address Employees Lifestyle and Financial Needs for Tomorrow A Purchasing Power White Paper January 2011 TABLE OF CONTENTS Executive Summary...2 Employees
More informationBetter Together. October 19, 2015. Dear Colleagues,
& Better Together October 19, 2015 Dear Colleagues, We re devoting this issue of Better Together to one of our biggest annual employee initiatives Kindred Open Enrollment. For 2016, benefits enrollment
More informationUnderstanding your Forms W-2 and 1042-S
Understanding your Forms W-2 and 1042-S Each year, employees will receive a Form W-2 that provides details of prior year earnings, taxes withheld and other miscellaneous data (such as cost of employer
More informationA healthier business starts with. healthier employees.
A healthier business starts with healthier employees. NY State of Health s Small Business Marketplace Overview for Small Business Owners Call us at 1-855-355-5777 TTY: 1-800-662-1220 nystateofhealth.ny.gov
More informationPreparing for Retirement Healthy Directions for Medicare Retirees
Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for
More informationTogether, we create chemistry. Professional and Leadership Development Programs
welcome BASF CORPORATION BASF is an Equal Opportunity Employer: M/F/D/V For more about BASF, visit: www.basf.us To explore careers and apply: http://careers.basf.us Connect with us: facebook.com/basf_careersna
More informationIntroduce HSA to your employees SHOP State of Kentucky Employer
Introduce HSA to your employees SHOP State of Kentucky Employer If you ve looked for cost-effective health care for your employees, you ve probably heard of consumer-directed health (CDH) plans. These
More informationASPPAJournal. ASPPA s Quarterly Journal for Actuaries, Consultants, Administrators and Other Retirement Plan Professionals
WINTER 2010 :: SUPPLEMENT ASPPAJournal ASPPA s Quarterly Journal for Actuaries, Consultants, Administrators and Other Retirement Plan Professionals Question/Topic Individual(k) SEP/IRA SIMPLE 401(k) Profit
More informationE-Team Employee Handbook. Employment Information and Policies
E-Team Employee Handbook Employment Information and Policies FIRST ISSUED: OCTOBER 1, 2004 REVISED: FEBRUARY 27, 2014 EFFECTIVE: JANUARY 1, 2014 Table of Contents I. WELCOME FROM OUR MAYOR... 2 II. GENERAL...
More informationConsidering a High Deductible Health Plan?
Considering a High Deductible Health Plan? Health Savings Account (HSA) Qualified MKT-WEB-218 (11/12) What is a High Deductible HSA-Qualified Health Plan? A medical savings account available to taxpayers
More information