732-842-6200 Facebook Icon LinkedIn Icon Client Login
Logo
☰ ˟
  • Home
  • About Us
    • Leadership Team
    • Testimonials
    • Client Portal
  • Focus On Clients
  • Services
    • Disability & Leave Management
    • Employee Benefits
    • Dental
    • Retirement Planning
    • Risk Management
    • Business Owners Policy
    • Hotel
    • Umbrella
    • Automobile
    • Property & Casualty
    • Group Benefits
    • Student Loan Services
    • Travel Protection Plans
  • Blog
  • Contact Us
Home > Blog > Who Qualifies for Employee Benefits?
MONDAY, MARCH 3, 2025

Who Qualifies for Employee Benefits?

Many American workers rely on their benefits as valuable protective services. Health and life insurance, workers’ compensation and investment plans can all help workers protect their assets. man in orange and black vest wearing white helmet holding yellow and black power tool

Nonetheless, each worker is different. They may be full-time employees, part-time workers or contractors. An employee’s status with the company may determine their eligibility for benefits.

Benefits Eligibility Overview

At times, the law may require some employers to offer benefits to certain employees. For example, the Affordable Care Act (ACA) says that certain companies must offer health insurance to most of their full-time employees. If they fail to do so, the company might face penalties. In other cases, employers may have full discretion whether to offer certain benefits. Employers often follow specific practices to determine which employees qualify for certain benefits.

Once an employee becomes eligible for certain benefits, the company should give the employee the chance to enroll. The employer may not be able to force the employee to take the coverage. However, they may have to at least offer the worker the opportunity to enroll.

Determining Eligibility for Benefits

Employers usually determine employee eligibility for benefits based on the worker's employment status. Employees may work full-time, part-time or on a contracted basis.

  • Full-time employees usually qualify for most or all benefits offered by the company. For example, the ACA defines full-time employees as those who work over 30 hours per week. Therefore, employers may have to offer these employees health insurance. If not required to offer certain benefits, employers may have discretion about whether to cover full-time employees.
  • Part-time workers may or may not qualify for all of the benefits offered by employers. Depending on the number of hours the employee works, even if part time, they may be eligible for benefits. If part-time workers don’t qualify for required benefits, employers may still choose to offer them.
  • Contractors usually are not employees of the company for which they contract. They may work for a contracting company, or are self-employed. Often, contractors do not receive benefits from their clients. They may receive them from their own employer or self-fund their own benefits.

Other classifications of employment exist as well. In each situation, an employer should carefully review their local insurance law. This can help them determine when to offer benefits.

Do you need employee benefits? Come to Two Rivers Benefits Consultants today! We can help you get the coverage you need. Call us at 732-842-6200 for more information.

Posted 11:00 AM

Tags: employee benefits
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023

  • employee benefits(10)
  • insurance(8)
  • coverage(8)
  • health insurance(2)
  • umbrella insurance(2)
  • ranch(2)
  • farm(2)
  • policy(2)
  • weather(1)
  • liability(1)
  • homeowners(1)
  • disability(1)
  • healthcare(1)
  • accident(1)
  • life insurance(1)
  • livestock(1)
  • equipment(1)
  • premiums(1)
  • safety(1)
  • bop insurance(1)
  • business(1)
  • construction(1)
  • commercial(1)
  • crop(1)
  • contractors(1)
  • agriculture(1)
  • liquour(1)
  • car(1)
  • diasbility(1)
  • costs(1)
  • auto(1)

View Mobile Version
Benefit Consulting Services Disability and Leave Management Employee Benefits Retirement planning Risk Management
Who We Are About Us Leadership Team Testimonials Case Studies
Resources Blog Newsletter Services Contact Us
Logo Headquarters 818 Shrewsbury Ave. Tinton Falls, NJ 07724 732-842-6200
© Copyright 2021 Two River Benefits Consultants, LLC. All Rights Reserved.