"Healthy People Are Happy People … And They Make Great Employees"!
Are you an employer who desires to limit the cost of Health Care benefits? Are you an employee who desires the best Health Care benefits you can get? Are you aware how hard both of these things can be?
By the time you finish reading this page you'll have access to information dealing with such issues as:
* Health care coverage, employee health care benefits, workers compensation, employee health care, employee benefits, health care, health insurance coverage, health insurance, employee insurance plans, business insurance, small business, benefits for workers and MORE!
* Knowing the basics about Health Care benefits
* Keeping the costs of benefits down
* Protecting yourself as an employer
* Receiving the best benefits
* Protecting yourself as an employee
Learn how successful businesses keep their people healthy and happy while keeping Health Care costs down!
Everyone needs to take care of their health. Everyone knows the cost of doing so is high.
When a company/business is created, the people involved know one of the most important aspects they need to decide up front is what Health Care benefits they will offer. To whom and when.
They look at the basic needs of people. They look at the basic benefits other companies/businesses are offering. Then they look at how they can offer the best basic benefits people need for the least amount of money.
When a person is looking for work, they're looking for a good paycheck but they're also looking for the best Health Care benefits they can get.
No matter what type of plan a company/business offers, both the employee and employer need to agree at the start of their working relationship which Health Care benefits are a fair and reasonable part of the overall benefits package.
Every individual needs to decide this for themselves.
One way employers can keep the cost of Health Care benefits down is by not offering them. At least not at first.
In today's work world, unless you're in a management position, it's common for employers to hold off giving employees benefits until they have worked with them for a certain period of time. This can be after the first 90 days. Often it isn't until after 6 months.
Some employers limit benefits to only those people working full-time. Many employers only hire people to work part-time. And these part-time employees will not receive benefits, no matter how long they work with the same employer.
This is not the best news for employees ... But anyone can understand why business is done this way.
Let's say you're an employer and you hire a new employee and give them benefits right away. What do you think happens if/when that employee decides to leave you or needs to be let go?
It's already cost you a good deal of time, energy and money, (in the paperwork alone), to give these benefits to the employee. Now you need to spend another good deal of time, energy and money to undo these benefits. And - most benefits cover employees for at least 30 days after they've left their position, so add this to what it's already cost you. Now you can see why business is done this way.
Here's another one of the best ways as an employer you can help to keep the cost of benefits down. Be aware of a person's physical state and possible needs as much as possible before you hire them.
Many employers use application forms that ask general questions, such as if the person knows of any reason(s) why they are not able to perform the duties involved in the position.
Depending on your line of work and the particular position, you are allowed to ask specific questions such as, can this person lift (X) amount of pounds.
Hopefully you know your job well enough to know just what is involved in the position being offered. Only then can you know if a person will be able to perform the required duties.
Honesty is still the best benefit policy!
For your benefit as well as the person you're thinking about hiring, it's very important that you are totally honest.
Be sure you talk about every aspect of work the position involves. That way both of you have a clear understanding of the work expected. If there is not a clear understanding up front, it can lead to unpleasant events in the future.
As an employer, be sure the person you hire is physically fit to do the work.
This is not discrimination. This is just smart.
But - You do need to be fully aware of the strict laws and guidelines that don't let you ask certain questions about a person. You don't want or need to face any charges of discrimination.
There are also strict laws and guidelines that apply to people looking for work or a promotion.
First, they have to be honest.
They are not allowed to withhold any information about their physical state and/or needs. They have to tell an employer up front if they have a chronic condition or disability that doesn't let them perform any of the duties and/or responsibilities of a particular position they're applying for.
As an employee, it's very important you know what these legal guidelines are for yourself, both in what an employer can and can't ask and what you have to tell them.
You also need to know for yourself just what basic benefits are being offered in today's work world. This way you'll have a better idea of what you can expect and hope to get. And you'll know what your basic rights are and how to protect them. When you have this information, you'll be better able to work out a better benefits package.
Once you have hired a new employee, it will be your responsibility to make sure they know what their Health Care benefits are.
Be sure they know what is and what is not covered by you. Be sure they know how much of the cost is yours and agree to the on going cost to them. Be sure they know when they'll begin receiving their benefits.
Most businesses have this information in writing so there can be no questions. But, there are always questions. So be sure you know what this information says and always be ready, able and willing to go over the information with a new employee.
If you work for a large company, it's usually the responsibility of the Personnel or Human Resources department to go over the Health Care benefits with new employees.
But still, as their immediate employer, you need to be sure you know about all of the benefits as well and be ready, able and willing to answer any questions or help employees with any special needs.
Whether you're an employer or an employee, just remember that research is the only sure-fire way to learn what you need to know.
Learn everything you can about the basic kinds of Health Care benefits currently being offered and "demanded" in today's work world. Then learn about the benefits offered by your particular industry/field and their companies/businesses.
Make good use of your local library. Look at all of the information offered on the Internet.
Copyright 1998/2005 Workplace Moxie