Do you provide health insurance?

Discussion in 'Business Operations' started by CNYScapes, Dec 1, 2012.


Do you provide health insurance to employees?

  1. Yes, I do Provide health insurance

    2 vote(s)
  2. No, I do not Provide health insurance

    18 vote(s)
  1. CNYScapes

    CNYScapes LawnSite Senior Member
    Messages: 916

    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?
  2. CNYScapes

    CNYScapes LawnSite Senior Member
    Messages: 916

    Over 300 looks at this post!

    Looks like my guys got it good !!!!
  3. Raymond S.

    Raymond S. LawnSite Senior Member
    Messages: 996

    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.
    Posted via Mobile Device
  4. fakie99

    fakie99 LawnSite Member
    Messages: 16

    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.
  5. B-2 Lawncare

    B-2 Lawncare LawnSite Senior Member
    Messages: 263

    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.
  6. B-2 Lawncare

    B-2 Lawncare LawnSite Senior Member
    Messages: 263

    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.
  7. CNYScapes

    CNYScapes LawnSite Senior Member
    Messages: 916

    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.
  8. CLS_Birmingham

    CLS_Birmingham LawnSite Member
    Messages: 128

    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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