Workplace Benefits Insurance
Workplace benefits are important to most employees. These benefits help employees pay for healthcare, save for retirement, and more. Benefits make it easier for employees to care for themselves and their families. This is why employers often strive to offer useful benefits to attract the best employees.
Worker�s compensation is usually required by law, depending on the type of business. This is for when an employee is injured or sick and cannot work. The situations and injuries covered are broad, but limitations do apply. Alcohol and drug testing can be required to prove the employee is not under any influence. If the results show drugs or alcohol in the person�s system, then benefits can be denied. Benefits can also be denied if the injuries are self-inflicted, the employee was violating company policy, or the employer wasn’t working when the injury occurred.
Workplace benefits help in a number of areas. They can help pay medical expenses, provide replacement income, and provide compensation in case of any permanent injuries. These benefits are not limited to accidents. A person can receive disability if they are unable to work while recovering from a surgery.
Workplace Benefits and Eligibility
In most cases, a worker must be a full time employee to receive workplace benefits. People such as volunteers, independent contractors, private home employees, and part time employees are generally not eligible to receive these benefits.