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View Poll Results: Do you provide health insurance to employees?
Yes, I do Provide health insurance 2 10.00%
No, I do not Provide health insurance 18 90.00%
Voters: 20. You may not vote on this poll

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  #1  
Old 12-01-2012, 08:52 AM
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CNYScapes CNYScapes is online now
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Do you provide health insurance?

After reading the other post on Obamacare and its effect on us I wanted to see how many of us do provide healthcare for our workers?

I do offer it and I split it with my guys 50/50.

Unfortunately, I am in New York and that means for about 4-5 months my guys are part time laid off or plowing when it snows so I end up floating some of their half until spring when they catch up on payments.

I feel this is what I have to do to keep quality employees.

What about you guys?
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  #2  
Old 12-09-2012, 08:40 PM
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CNYScapes CNYScapes is online now
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Over 300 looks at this post!

Looks like my guys got it good !!!!
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  #3  
Old 12-09-2012, 10:41 PM
Raymond S. Raymond S. is offline
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I don't. I pay my main guy year round salary and his wife has decent coverage through her employer. He hasn't done squat in about 3 weeks, still getting paid. If it doesn't snow I'll probably put him on a corner with a sign.
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Old 12-10-2012, 12:16 PM
fakie99 fakie99 is offline
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Quote:
Originally Posted by CNYScapes View Post
Over 300 looks at this post!

Looks like my guys got it good !!!!
we do the same - 50/50 split. but i basically have the guys pay for their share in the months where they are working. this way their balance owed for their share ends up around 0 in november when we are done working. in my opinion, you don't want to be "floating" employee share insurance costs because if someone quits/fired, etc, you are still on the hook for their portion.
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  #5  
Old 12-10-2012, 01:03 PM
B-2 Lawncare B-2 Lawncare is offline
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Location: Buffalo wy
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From what I understand small business with with less than 50 employees don't have to offer insurance benfits. That be said it is something that we are looking at.
Finding guys who are supervisor material, who are willing to expect our pay scale has been the biggest headache. So we have talked about adding health benefits as a way to attract employees.
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  #6  
Old 12-10-2012, 01:17 PM
B-2 Lawncare B-2 Lawncare is offline
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Quote:
Originally Posted by CNYScapes View Post
Over 300 looks at this post!

Looks like my guys got it good !!!!
I would say that your guys do have it good. In the winter you said that you float you guys insurance payment in the winter? Does that mean in the spring that you withhold extra money from there checks to make up for floating them through the winter.
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Old 12-10-2012, 03:17 PM
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Yes, if they didnt pay throughout the winter they do have to make up the difference in the spring. a few of my guys do pay there share throughout the winter and a couple dont. The guys that i float it for I took $50 per week for however many weeks it took to catch up in the spring.

i have a plan through new york state and individual insurance is about $240 per person with no prescription coverage. So there share is only $120/month. Not too bad in my opinion.
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Old 12-10-2012, 11:37 PM
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CLS_Birmingham CLS_Birmingham is offline
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Question for those who do supply insurance. Do you offer an actual company policy for your employees or do you offer to pay a percentage of a personal policy of the employees choice??? I'm looking into offering insurance for my employees this year (haven't done much research yet), but i'm curious if its more cost effective to offer a company policy or to offer to pay the premiums for a personal policy??
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