Thursday, May 5, 2011

How does a small business start offering employee benefits like health insurance and 401K?

My wife and I have a small business in the Chicagoland area and are expanding. We've been doing everything on our own but now we need to hire one full time employee to start off with. How do we offer benefits? How do we go about the task? What is the best company to go to? Thanks!
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you get a really good guy with some really good products they put a plan together for our company and gave us options to choose from, sat down with our employees to go over benefit plans and 401k's and iras.. drop me an email and I'll get you his email, I'm at home and it's on my office computer. I would send them to anyone.. it never hurts to look, and a look is free.
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For Federal govm't employees, what % of their annual health insurance premiums are paid by the government?

While employed, Federal employees appear to have several choices of health care plans and they pay a portion of the annual premiums. It may differ from plan to plan, but on average, how much of the annual premium is paid for by the Federal government rather than the employee?
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I am retired now, but when I worked for them they paid 100%.
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Can anyone help me find a free clinic or cheap health insurance?

I just moved to South Bend, IN. And I need to find a doctor that is from a free clinic or a very cheap health plan. I am on S.S.I. so need something really cheap.Thanks for any help.
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get out the phone book and look in the goverment pages or check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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My Health Insurance is governed by another state?

My health insurance has recently spiked so I'm getting a new plan.... But the new plan I found online, is called Golden Rule by UnitedHealthCareOne...and it is governed by Illinois and not my state Florida...however, when you go to the site you have to first pick ur state and zip before u can even get a quote....So are there any differences between states on health insurance policies? Why would they even accept me as a customer if the policies would be different state by state?
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Under Obamacare, is it true that the poor get free health insurance?

Do the people who little to no income get 100% of their health care covered by government subsidies?
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Most of them already do. So you should be able to say yes in most states. Obamacare doesn't cover everyone, just almost everyone.
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If you receive SSI Disabilty can you stay on your spouse's health insurance?

If you are awarded disability do you have to get on Medicare/Medicaid or can you stay on your spouse's insurance through their employer? I am afraid of not being able to see my regular doctor if I have to get on Medicaid because so few doctors accept it. Anybody familiar with this?? Thanks in advance!
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Yes, you can stay on your spouse's insurance. You can't get on Medicare until you've been on SSDI for 24 months. At that time you want to look into Medicare; in many cases Medicare with an Advantage plan is the better option. You can also get Medicaid and keep your current insurance. Your insurance would be primary and Medicaid would be secondary and could possibly pick up some of the co-pays.
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Can a health insurance company make a reimbursement check out to your under age child?

Aetna sent me a reimbursement check made out in the name of my six-year-old child. Is that a Federal law? How can they make a check out to an under aged child that is on my policy?
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doesnt matter, they are your minor child, you can sign their name and deposit it.
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