Employee benefits generally include health insurance (sometimes including dental and vision benefits), term life insurance, and possibly a retirement program.
Group disability insurance is also available, although employers and employees opt for this benefit less frequently.

Employers can provide coverage for their employees alone or for the employees and their families.
Cost is usually the determining factor.
With the high cost of health insurance in the United States today, employers are more likely to ask employees to pay some or all of the costs of health insurance for their families and sometimes for the employees themselves.

Depending on the size of the group to be insured, the business may serve as the policyholder for the group’s insurance.
However, for many small businesses, the insurer will pool them together in a multiple-employer trust.
The trust itself, rather than any single employer, is the policyholder.
This enables smaller businesses to benefit from the lower premiums and other services enjoyed by large groups.

Small businesses can also sometimes obtain employee benefit insurance through their trade or professional association.
Your best bet as a small business operator is to find a way to join a larger pool seeking benefits.
Check with your Trusted Choice® agent on the options available to you. 

Last updated on July 21, 2010 by [Your Name Here]