• Must have 2 or more to enroll (which includes all Fulltime W2, but some carriers may include Part-time employees if the employer elects to do so). Some states may allow 1099s to participate in their group health plan.
• 75% of all eligible employees must enroll. (Note, employees enrolled through their spouse will not count towards eligibility)
• Employers must generally contribute at least 50% towards the employee’s premium.
• Certain Benefits, such as LTD, requires the business to be in business for atleast "x" amount of years, or the Group must have a minimum of "x" amount of employees before they could offer that benefit to their employees.

How does offering Group Benefits, benefit me, the Employer?

There are many benefits for employers to offer their employees benefits. Employee benefits can consist of:

 Benefits:

• The Health plans are guaranteed issue, regardless of health
• Premiums employer pays are 100% tax deductible to the employer
• Premiums employees pays may be pre-taxed to them, through payroll deduction, which increases their overall take home and reduces the employers overall FICA taxes
• Dental Benefits are much richer when offered through a Group, Disability Benefits are much more affordable when offered through a Group.
• The main benefit is attracting and maintaining quality employees.

Please contact us for the specific details pertaining to your company or organization.