Employee Benefits Presentation Template - Google Slides, Powerpoint & PDF
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20xx Employee Benefits Presentation Benefits for happy employees xx 20 31 Dec y 1- Januar
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About At BrightPath Center , we've been dedicated to supporting your employees and their families for nearly 20 years! At Horizon Wellness, we are committed to providing quality benefits programs that are comprehensive, flexible, and affordable. Offering your employees the best in benefit plans is one way to show that they are your most important asset. Eligible employees have many benefit plans to choose from, so please read this benefits guide carefully to help you make the benefit elections that best fit you and your family. We believe in providing coverage options that are right for you, not for everyone else. With a clear purpose, values instilled in our company, and a long, rich history, we offer our clients longevity, stability, and a sense of security. Today, Horizon Wellness is a new-age digital service company with our own company-employed service team, fully geared to provide you with the highest levels of service. Because we have done away with external agents, our premiums are usually lower, and our direct dialogue with customers ensures greater clarity and transparency. Take a look at our employee benefits and plans, and choose the most suitable options for you and your employees.
Table of Contents 5 Enrollment & Eligibility 6 Dental Insurance 8 Life Insurance 10 Spouses and Children 11 Pets 12 Paid Vacation Time 13 Disability Insurance 14 Additional Benefits 15 401(k) and Retirement
Enrollment & Eligibility Who is Eligible? The general rule is that if an employer Below are more details regarding who offers group health coverage to any can receive coverage under your full-time employees, the employer must business’s group plan. In addition, any offer coverage to all full-time employees dependents of eligible employees are (defined as those working 30 or more also generally eligible for coverage hours per week). under a group plan. Dependents include spouses, children, and in some cases, unmarried domestic partners. Dependents cannot enroll for coverage The employer also has the option of unless the employee has enrolled. An offering coverage to part-time employees employer can cover any employee who (defined as those working 20 to 29 hours is on the payroll and for whom he or she per week). If the employer offers coverage pays payroll taxes. Although employees to any part-time employees, all part-time can opt out of the benefit program, employees must be offered coverage. virtually all insurers do require that a minimum number of your employees participate in their plan. Eligible employees generally include those who These rules apply regardless of the are on paid vacation, maternity or sick medical condition of the employees. In leave. With few exceptions, employees other words, an eligible employee cannot who are on unpaid leave are ineligible be denied coverage based on previous until they return to active work. medical issues, known as pre existing conditions.
Dental Insurance What does it offer E. Wellness offers two dental plans through Principal, both of which are PPO plans. These plans allow you to use either in-network or out-of-network benefits. If you choose to use out-of-network dentists, you will be responsible for paying the difference between Principal’s allowed amount and what the dentist may charge, also known as "balance billing." The charts below provide a brief overview of the plans. To find a provider, go to www.principal.com and click on "Individuals" at the top of the page. Click on the drop-down menu "Insure," then select "Find a Dentist." Under state, select "Florida" and indicate "Principal Plan Dental Network." Enter your preferred search location or provider/office. Check more offers See More
Base Dental High Dental Options PPO Plan PPO Plan Individual $50 $50 Family $150 $150 Annual Maximum Per covered person $1,000 $1,000 Preventative Care Oral Exams (once/6 months), Cleanings, X-Rays (full mouth Covered at 100% Covered at 100% once/60 months) Major Procedures Bridges & Dentures, ENDO (Root Canal), Single Crowns, Simple & Covered at 50% after Covered at 90% after Complex Extractions, PERIO deductible deductible Maintenance (scaling and root planing) Out-of-Network Annual Maximum $1,000 $1,000 Deductible $100 / $300 $50 / $150 4
Life Insurance What does it offer Employers may choose to offer life insurance benefits to their employees. If this optional benefit is one you are considering, you will need to determine who should be covered, what type of life insurance benefits to offer, and how much life insurance is optimal and affordable. Life insurance plan riders are additional features or benefits that can be added to an existing insurance policy. Plans can come with numerous riders that allow you to customize your plan to a significant degree. See More
There are other types of insurance that you can offer besides group-term life, including: Group accidental death Business travel and dismemberment. accident insurance. Commonly known in the industry as This insurance covers only a specific "AD&D," this coverage pays benefits to occurrence — the death of the the employee's beneficiary if death employee while traveling on business. If occurs due to an accident. It also your employees do not travel or travel provides benefits if the employee loses infrequently, this coverage may not be use of certain body parts (for example, worth the expense. the loss of an arm and a leg may result in payment of a percentage of the total benefits). Split-dollar life insurance. This insurance pays the employee's beneficiary when the employee dies and returns the premiums paid to the employer. Funded by both the employer and employee, it includes a substantial investment element. This option is typically considered for key employees rather than the entire employee group.
Spouses and Children Insurance What does it offer Generally, coverage must be offered to an employee’s legal spouse and dependent children. Under the Patient Protection and Affordable Care Act, group insurance plans are required to extend coverage to adult dependents up to age 26. Employers may choose to expand the definition of dependent children to include those older than 26; age limits vary by plan. Check the Evidence of Coverage (EOC) booklet from your insurer or consult your agent or broker for clarification. Employers may also choose to extend health benefits to unmarried domestic partners of employees. If this option is offered, the coverage provided to domestic partners must be equivalent to the coverage extended to spouses. Domestic partners • Same sex can include: • Opposite sex, or • Both same sex and opposite sex partners.
Employees and their domestic partners must sign an affidavit of domestic partnership to verify that they are living together in a committed relationship with the intention to remain together indefinitely. This affidavit helps prevent roommates or others who merely share living space from fraudulently obtaining coverage. Pets Insurance With pet insurance, you can provide your pet with the best medical care possible. Our cat and dog insurance plans cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative treatments such as chiropractic care and acupuncture.
Paid Vacation Time Paid vacation days The number of paid vacation days In the United States, paid vacation days typically accrues based on employees' generally range from five to 30. In Europe years of service and their position level and other parts of the world, paid vacation within the organization. days tend to be more generous. 9 paid vacation days One year of service receive an average of 10 paid vacation days Two years of service receive an average of 12 paid vacation days Three to four years of service receive an average of 14 paid vacation days Four years of service receive an average of 14 paid vacation days Five years of service receive an average of 15 paid vacation days Six-seven years of service receive an average of 21 paid vacation days More than 15 years of service receive an average of
Disability Insurance Disability insurance provides supplementary income if an illness or accident results in a disability that prevents the insured from working. Benefits are typically paid monthly, allowing the insured to maintain a comparable standard of living and cover recurring expenses. Long-Term Disability policies Short-Term Disability policies Have a waiting period of several weeks Have a waiting period of 0 to 14 days with a to several months with a maximum maximum benefit period of no longer than benefit period ranging from a few years two years. to the rest of your life.
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Additional Benefits Gym memberships Tuition reimbursement Student loan repayment Employees who have good benefits as gym memberships are often healthier Offering a tuition reimbursement or a and happier. They’re more engaged at student loan repayment you build your work, and they’re more productive. They employee loyalty and longevity by take fewer sick days, and they’ll often helping them to grow and expand their report they have a higher quality of life. knowledge and skills. For premiums benefits plans click here: Premiums www.smartinsurance&co.company.com
401(k) and Retirement Plans Retirement planning is a multistep process that evolves over time. To have a comfortable, secure—and fun—retirement, you need to build the financial cushion that will fund it all. Contribution Pre-Tax ROTH After-Tax Match _% of _% of pay _% of the next _% of pay To get the full Employer Match match: If you put in _% the company puts in _% • Tax Savings • Benefit Compounding • Combine Accounts • Ease of Savings • Transfer Savings
20xx Employee Benefits Thank you for choosing us!