Friday, November 12, 2010

How can I ask my boss for health insurance?

How should I approach my boss about paying for my health insurance withhout sounding greedy? I'm an office manager at a construction company and need health insurance. Any advice would be appreciated.
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If you have access to the employee census you could have a broker prepare a group quote that you could present the employer. Generally speaking in order for a business to offer group health insurance to it's employees the employer must offer the coverage to all full time (W-2) employees and pay for at least 50% of the cost of the emplpoyee only plan. The employees will have to pay for 100% of the cost to add family members. Of course the employer could pay for more than 50% but they rarely do. Benefits of group coverage. Having a health plan can help attract quality employees. If the employer sets up a section 125 cafeteria plan the employees deductions can be dedcucted before taxes which will create a tax savings for the employer and the employees. You may want to talk to a broker about your situation they can make some other recommendations bassed on your companies specifics.Try using yellowpages.com to search for group health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.
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