{"count":289,"next_page":"https://help.justworks.com/api/v2/help_center/articles/search.json?page=2\u0026per_page=25\u0026query=benefits","page":1,"page_count":12,"per_page":25,"previous_page":null,"results":[{"id":360004519491,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004519491.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004519491-Fringe-Benefits","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":true,"position":30,"vote_sum":19,"vote_count":27,"section_id":32936420967451,"created_at":"2018-06-04T17:43:19Z","updated_at":"2026-06-15T16:38:33Z","name":"Fringe Benefits","title":"Fringe Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-15T16:38:33Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0VZMCZMWJTAV5D33M11F03R","01K0VZNEYNK1HQXFD4JJ9ERW7Y"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/36458079424667\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947HN37T415K8607GFATYA4\"\u003eWhat are fringe benefits?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eFringe benefits are additional benefits or compensation on top of an employee’s regular salary or wages for work they do. Some examples of common fringe benefits are employer-paid group term life insurance, taxable gym memberships, and taxable transportation benefits. Fringe benefits are generally considered taxable, unless a specific exemption applies. Taxable fringe benefits must be reported on Forms W-2 and 940. We strongly recommend that employers consult with their accountant or tax advisor to confirm if the benefits they offer are indeed taxable and what the taxable amount is that should be reported.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCheck out the \u003c/span\u003e\u003ca href=\"http://www.irs.gov/pub/irs-pdf/p15b.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS' Employer's Tax Guide to Fringe Benefits,\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e for more information.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947HN37EWBSD29FY3HG2Y5Y\"\u003eHow are fringe benefits reflected on tax forms? \u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eMany fringe benefits are considered taxable income, and are therefore subject to Federal Income tax, Social Security tax, and Medicare tax. Fringe benefits may also be subject to taxation under the Federal Unemployment Tax Act (FUTA). \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947HN375KTJGHK8GN0B4AFD\"\u003eHow can I record fringe benefits in Justworks?\u003c/h2\u003e\u003cp class=\"wysiwyg-text-align-left\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf your company offers fringe benefits such as taxable gym memberships, employer-paid life insurance, etc. through Justworks, you do not need to record these again -- they’re already accounted for. \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou need to record taxable fringe benefits that you provided to your employees outside of Justworks by clicking on \u003cstrong\u003ePay \u003c/strong\u003ein the side navigation menu \u0026gt; \u003cstrong\u003eMake a Payment \u003c/strong\u003eon the top right of the page \u0026gt; \u003cstrong\u003eDomestic\u003c/strong\u003e and scrolling down to \u003cstrong\u003eRecord a Payment\u003c/strong\u003e. You'll see the option to record fringe benefits there.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1418/244;\" src=\"https://help.justworks.com/hc/article_attachments/51727168495259\" width=\"1418\" height=\"244\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eFollow the prompts to choose the entry method and settings you'd like. Note you’ll have to select a payday for the fringe benefit. When you record a fringe benefit for your employee, \u003cstrong\u003eJustworks does not pay the employee\u003c/strong\u003e. We will withhold the corresponding taxes for that benefit on your employee’s next paycheck and remit the taxes associated with the benefit. You will also be charged employer taxes on the additional income reported for the employee. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou’ll also need to select the subtype for the fringe benefit. Below are some guidelines for choosing the right subtype and calculating the appropriate taxable amount. However, it's best practice to consult with your accountant or tax advisor to confirm whether any employer-provided benefits you provide are taxable and the appropriate value to report. Please keep in mind that Justworks does not provide tax or legal advice.\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-text-align-left\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFor resources about calculating the taxable amount of the fringe benefit, please refer to your accountant and \u003c/span\u003e\u003ca href=\"https://www.irs.gov/pub/irs-pdf/p15b.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS Publication 15-B \u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003efor accurate calculation.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"height: 220px; width: 100%;\"\u003e\u003ctable class=\"wysiwyg-table-resized\" style=\"border-collapse: collapse; margin-left: 0px; margin-right: auto;\"\u003e\n\u003ccolgroup\u003e\n\u003ccol style=\"width: 32%;\"\u003e\n\u003ccol style=\"width: 68%;\"\u003e\n\u003c/colgroup\u003e\n\u003ctbody\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 20px; text-align: center; width: 50%;\"\u003e\u003cstrong\u003eFringe Benefit Subtype\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 20px; text-align: center; width: 50%;\"\u003e\u003cstrong\u003eDescription and Guidelines\u003c/strong\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eMoving Expenses\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe amount that was paid to an employee to help with a move.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eTaxable Gym Membership\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003e\n\u003cp\u003eThe value of any contributions to a gym or fitness membership made by the employer.\u003c/p\u003e\n\u003cp\u003ePlease note you should NOT report the value of fitness memberships provided through Justworks partnerships.\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eValue of Employer Provided Vehicle\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003e\n\u003cp\u003eThe value of the personal use of the vehicle.\u003c/p\u003e\n\u003cp\u003eThis should not include the value of the vehicle's use for business related purposes.\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eValue of Car Lease\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe entire value of the lease regardless of whether the use is for personal or professional reasons.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eTaxable income from an employer-provided cell phone\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe value of a cell phone paid for an employee for non-business purposes or personal use.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eTaxable Transportation Benefits\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003e\n\u003cp\u003eAny amounts (employer contributions and employee pre-tax deferrals) that exceed per month taxable income.\u003c/p\u003e\n\u003cp\u003ePlease not you should NOT report the value of Wageworks contributions through Justworks.\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eMeal \u0026amp; Lodging Allowances\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe maximum amount per meals and lodging is based on the city.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eHousing Allowance\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe taxable amount should be fair market value of the lodging.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\"\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: top; width: 50%;\"\u003eTaxable income from exercise of non-statutory stock options\u003c/td\u003e\n\u003ctd style=\"height: 22px; padding: 10px; text-align: center; vertical-align: middle; width: 50%;\"\u003eThe taxable amount should be the fair market value minus the exercise price.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"padding: 10px; text-align: center; vertical-align: top;\"\u003eTaxable income from issuance of restricted stock\u003c/td\u003e\n\u003ctd style=\"padding: 10px;\"\u003eIf the employee elects to be taxed on the value of the stock when it is awarded, the taxable amount should be the fair market value when the stock was awarded.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"padding: 10px; text-align: center; vertical-align: top;\"\u003eTaxable income from vesting of restricted stock\u003c/td\u003e\n\u003ctd style=\"padding: 10px;\"\u003eIf the employee elects to defer withholding on the stock until it is vested, the taxable amount should be the fair market value of the stock on the date the stock is transferred to the employee minus any amount paid by the employee for the stock.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"padding: 10px; text-align: center; vertical-align: top;\"\u003eTaxable employer-provided life insurance\u003c/td\u003e\n\u003ctd style=\"padding: 10px;\"\u003e\n\u003cp\u003eThe total taxable value of group term life insurance coverage greater than $50,000. If your company files as an S-Corp, the total amount of the employer-paid premium for life insurance is taxable for the greater than 2% shareholders.\u003c/p\u003e\n\u003cp\u003ePlease note, you should NOT report the value if you have employer-paid life insurance with Metlife through Justworks.\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;\"\u003eIf you cannot find the subtype you're looking for, need to report it for a terminated employee, or record an amount that is much higher than the employee’s average paycheck amount, please reach out to your Customer Success Manager or our Customer Support team for help recording this benefit. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you’d like, you can also add a note to your entry to specify any additional details regarding this fringe benefit.  The notes section will be visible to the employee when they receive the paystub.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1960/894;\" src=\"https://help.justworks.com/hc/article_attachments/51727185385243\" width=\"1960\" height=\"894\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAfter you've reviewed your selections and you’re ready to record the amount, hit \u003cstrong\u003eSubmit Payments\u003c/strong\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"product am I using? What are fringe \u003cem\u003ebenefits\u003c/em\u003e? Fringe \u003cem\u003ebenefits\u003c/em\u003e are additional \u003cem\u003ebenefits\u003c/em\u003e or compensation on top of an employee’s","result_type":"article"},{"id":360004471792,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004471792.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004471792-Ancillary-Benefits","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":10,"vote_sum":12,"vote_count":28,"section_id":32936397241883,"created_at":"2018-06-04T17:56:04Z","updated_at":"2025-08-26T19:26:41Z","name":"Ancillary Benefits","title":"Ancillary Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-01-21T20:48:54Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0VZNEYNK1HQXFD4JJ9ERW7Y"],"label_names":[],"body":"\u003cfigure class=\"image wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180376335387\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9M15MZTRR20YAWX5AT\"\u003eAncillary benefits\u003c/h2\u003e\n\u003cp\u003eJustworks currently partners with MetLife to offer a variety of ancillary benefits: short-term disability insurance, long-term disability insurance, life insurance, and accidental death and dismemberment insurance.\u003c/p\u003e\n\u003cp\u003eThese are products that can either be company-paid or fully-employee-paid. In some cases, such as with life insurance, employees can combine both a company-paid plan and an employee-paid plan. In other cases, such as with short-term and long-term disability, an individual can only have either a company-paid or an employee-paid policy.\u003c/p\u003e\n\u003cp\u003eWe’ll do an in-depth analysis of each benefit type below.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MPM9JQAHDTYRP81AR\"\u003eShort-term disability\u003c/h2\u003e\n\u003cp\u003eShort-term disability insurance can help replace part of your weekly income in the event of illness or disability. Short-term disability insurance will go into effect 7 days after you’ve been away from work and can replace income for up to 180 days.\u003c/p\u003e\n\u003cp\u003eJustworks offers both company-paid policies and employee-paid policies. Employees cannot mix and match company-paid and employee-paid policies with short-term disability, and therefore have to have either one or the other.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MDB51550S7QNWTDNG\"\u003eNoncontributory short-term disability (Company-paid policies)\u003c/h2\u003e\n\u003cp\u003eNoncontributory short-term disability is 100% paid for by the company and premiums vary based on the employee’s earnings. Effective November 1, 2019, Justworks will offer two noncontributory short-term disability policies:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e60% of weekly income, up to $1,000.00 dollars per week\u003c/li\u003e\n\u003cli\u003e60% of weekly income, up to $1,500.00 dollars per week\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eCompanies on Justworks can choose to offer either of the two policies, but not both. Whichever policy is selected will be automatically offered to all benefits-eligible employees.\u003c/p\u003e\n\u003cp\u003eIn all noncontributory policies, the employee does not pay any tax on the monthly premium. If the employee goes on disability, their disability payments will be considered taxable income.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MAJV3Z9KFM5NB3KWY\"\u003eVoluntary short-term disability (Employee-paid policies)\u003c/h2\u003e\n\u003cp\u003eVoluntary short-term disability is 100% paid for by the employee themselves and premiums vary based on the employee’s earnings. Justworks currently offer one voluntary short-term disability policy:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e60% of weekly income, up to $1,000.00 dollars per week.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eEmployees will be automatically eligible to sign up for this policy if their company does not offer noncontributory short-term disability insurance. Employees are not eligible to sign up for this coverage if they have noncontributory coverage through their company plan. Employees are not eligible to sign up for this coverage if are not benefits eligible.\u003c/p\u003e\n\u003cp\u003eAll voluntary policies are paid for with post-tax income. If the employee goes on disability, their disability payments will be not be considered taxable income.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MK5EBZKR4BKA6HJ7E\"\u003eLong-term disability\u003c/h2\u003e\n\u003cp\u003eLong-term disability insurance can help replace part of your income in the event of illness or disability. Long-term disability insurance will go into effect after you’ve been away from work for 180 days.\u003c/p\u003e\n\u003cp\u003eJustworks offers both company-paid policies and employee-paid policies. Employees cannot mix and match company-paid and employee-paid policies with long-term disability, and therefore have to have either one or the other.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MAS3VZJDXYBA83AKM\"\u003eNoncontributory long-term disability (Company-paid policies)\u003c/h2\u003e\n\u003cp\u003eNoncontributory long-term disability is 100% paid for by the company and premiums vary based on the employee’s earnings. Justworks currently offers two noncontributory long-term disability policies:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e60% of monthly income, up to $5,000.00 dollars per month.\u003c/li\u003e\n\u003cli\u003e60% of monthly income, up to $10,000.00 dollars per month.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eCompanies on Justworks can choose to offer either of the two policies, but not both. Whichever policy is selected will be automatically offered to all benefits-eligible employees.\u003c/p\u003e\n\u003cp\u003eIn all noncontributory policies, the employee does not pay any tax on the monthly premium. If the employee goes on disability, their disability payments will be considered taxable income.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9M7R1T9K6YRTBVFKEM\"\u003eVoluntary long-term disability (Employee-paid policies)\u003c/h2\u003e\n\u003cp\u003eVoluntary long-term disability is 100% paid for by the employee themselves and premiums vary based on the employee’s earnings. Effective November 1, 2019, Justworks will offer one voluntary long-term disability policy:\u003c/p\u003e\n\u003cp\u003e60% of monthly income, up to $5,000.00 dollars per month.\u003c/p\u003e\n\u003cp\u003eEmployees will be automatically eligible to sign up for this policy if their company does not offer noncontributory long-term disability insurance. Employees are not eligible to sign up for this coverage if they have noncontributory coverage through their company plan. Employees are not eligible to sign up for this coverage if are not benefits eligible.\u003c/p\u003e\n\u003cp\u003eAll voluntary policies are paid for with post-tax income. If the employee goes on disability, their disability payments will be not be considered taxable income.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MENHD28YJFPHM84GE\"\u003eLife insurance\u003c/h2\u003e\n\u003cp\u003eLife insurance can help replace part of your income in the event of your passing. With life insurance, the policy-holder can designate any beneficiary they would like and the beneficiary would receive the benefit in the event of their passing.\u003c/p\u003e\n\u003cp\u003eJustworks offers both company-paid policies and employee-paid policies. Unlike with disability, employees can mix and match company-paid and employee-paid policies.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MSZZ7CH5PWK1HPD2E\"\u003eBasic life insurance (Company-paid policies)\u003c/h2\u003e\n\u003cp\u003eBasic life insurance is 100% paid for by the company and premiums vary based on the policy size. Justworks currently offers five basic life insurance policies:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e$10,000.00 basic life insurance policy\u003c/li\u003e\n\u003cli\u003e$25,000.00 basic life insurance policy\u003c/li\u003e\n\u003cli\u003e$50,000.00 basic life insurance policy\u003c/li\u003e\n\u003cli\u003e1x employee salary, up to $100,000.00, basic life insurance policy\u003c/li\u003e\n\u003cli\u003e2x employee salary, up to $200,000.00, basic life insurance policy\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eCompanies on Justworks can choose to offer any of the five policies, but they cannot offer more than one policy at a time. Whichever policy is selected will be automatically offered to all benefits-eligible employees.\u003c/p\u003e\n\u003cp\u003eIn all basic life insurance policies, the employee does not pay any tax on the monthly premium for policies up to $50,000.00. For policies that exceed $50,000.00 dollars in value, the monthly premium for the amount exceeding $50,000.00 dollars, is considered taxable income and will be added to the employee’s total income. Unpaid owners are only eligible for the flat policies, as they do not have a salary to base a policy value from.\u003c/p\u003e\n\u003cp\u003eThis policy must be combined with basic accidental death and dismemberment insurance.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MSTDHK6NHG8K6V31A\"\u003eSupplemental life insurance (Employee-paid policies)\u003c/h2\u003e\n\u003cp\u003eSupplemental life insurance is 100% paid for by the employee themselves and premiums vary based on the policy size the employee selects. Justworks currently offers two supplemental life insurance policies:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e$50,000 - $1,000,000 supplemental life insurance policies for employees\u003c/li\u003e\n\u003cli\u003e$10,000 - $100,000 supplemental life insurance policies for spouses or dependents\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eEmployees will be automatically eligible to sign up for this policy if their company is on the Justworks Plus plan. Employees are not eligible to sign up for this coverage if they are not benefits eligible.\u003c/p\u003e\n\u003cp\u003eAll supplemental life insurance policies are paid for with post-tax income.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MQ03M7BCA8H2D3QMS\"\u003eAccidental death and dismemberment insurance\u003c/h2\u003e\n\u003cp\u003eAccidental death and dismemberment insurance can help replace part of your income in the event of your passing. With accidental death and dismemberment insurance, the policy-holder can designate any beneficiary they would like and the beneficiary would receive the benefit in the event of their passing.\u003c/p\u003e\n\u003cp\u003eJustworks offers only company-paid policies for accidental death and dismemberment insurance.\u003c/p\u003e\n\u003ch2 id=\"h_01JFT61W9MFSDWNEVA3JWS8J12\"\u003eBasic accidental death and dismemberment insurance (Company-paid policy)\u003c/h2\u003e\n\u003cp\u003eBasic accidental death and dismemberment insurance is 100% paid for by the company and premiums vary based on the policy size. Justworks currently offers five basic accidental death and dismemberment insurance policies:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e$10,000.00 accidental death and dismemberment insurance policy\u003c/li\u003e\n\u003cli\u003e$25,000.00 accidental death and dismemberment insurance policy\u003c/li\u003e\n\u003cli\u003e$50,000.00 accidental death and dismemberment insurance policy\u003c/li\u003e\n\u003cli\u003e1x employee salary, up to $100,000.00, accidental death and dismemberment insurance policy\u003c/li\u003e\n\u003cli\u003e2x employee salary, up to $200,000.00, accidental death and dismemberment insurance policy\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eCompanies on Justworks can choose to offer any of the five policies, but they cannot offer more than one policy at a time. Whichever policy is selected will be automatically offered to all benefits-eligible employees.\u003c/p\u003e\n\u003cp\u003eIn all basic accidental death and dismemberment insurance policies, the employee does not pay any tax on the monthly premium for policies up to $50,000.00. For policies that exceed $50,000.00 dollars in value, the monthly premium for the amount exceeding $50,000.00 dollars, is considered taxable income and will be added to the employee’s total income.\u003c/p\u003e\n\u003cp\u003eThis policy must be combined with basic life insurance.\u003cbr\u003e\u003cimg src=\"http://help.justworks.com/customer/portal/attachments/765977\" alt=\"\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/4405312786331\" alt=\"210816_AncillaryBenefitsPageImage_Update.png\"\u003e\u003c/p\u003e\n\u003cp\u003e \u003c/p\u003e\n\n\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"Ancillary \u003cem\u003ebenefits\u003c/em\u003e Justworks currently partners with MetLife to offer a variety of ancillary \u003cem\u003ebenefits\u003c/em\u003e: short-term disability","result_type":"article"},{"id":360004928012,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004928012.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004928012-Compensation-in-Lieu-of-Benefits","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":13,"vote_sum":23,"vote_count":41,"section_id":32936131991195,"created_at":"2018-06-19T23:43:53Z","updated_at":"2026-09-04T17:17:32Z","name":"Compensation in Lieu of Benefits","title":"Compensation in Lieu of Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-04T17:17:32Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32185853085851\" alt=\"Employer - PEO \u0026amp; Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eThis article is about Justworks PEO and Payroll. \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003eIf an employer wishes to offer \u003cem\u003ecompensation in lieu\u003c/em\u003e of group health plan coverage (oftentimes referred to as an “opt out payment” or a “waiver payment”), there are two important compliance issues that must be considered. First, in order to preserve the tax-free nature of the group health plan coverage, the offer must be made through a so called “cafeteria plan” or “section 125 plan” (noting that it is Section 125 of the Internal Revenue Code that allows the tax benefit). Second, in many cases, an opt out payment must be taken into account as part of the U.S.-based employee cost of coverage for purposes of the affordability requirement of the Affordable Care Act (ACA) “employer mandate” (more on this below).\u003c/p\u003e\u003ch2 id=\"h_01HKWWY0SG25V33ZHR1RZG42K1\"\u003eReimbursing individual insurance coverage in the ACA era\u003c/h2\u003e\u003cp\u003ePrior to the ACA, another popular benefit was simply reimbursing employees for individual insurance coverage that they purchased on their own. In most cases, these types of reimbursements could be made on a non-taxable basis. However, as part of the implementation of the ACA, these types of so called “employer payment plans” became largely prohibited, regardless of whether the reimbursements are taxable or non-taxable.\u003c/p\u003e\u003cp\u003eFor the time being, the only ways for an employer to “pay for” individual insurance coverage obtained by an employee is to establish a “\u003cstrong\u003eQualified Small Employer Health Reimbursement Arrangement”\u003c/strong\u003e (QSEHRA) or provide \u003cstrong\u003eadditional taxable compensation,\u003c/strong\u003e whether through a simple salary increase or a monthly “bonus” or “stipend.” Regarding the additional compensation approach, the key is that the payment not be a “reimbursement”—i.e., not conditioned on proof that the employee indeed obtained his or her own individual insurance coverage. Rather, the increased compensation (regardless of the form) must be unconditional and taxable.\u003c/p\u003e\u003ch2 id=\"h_01HKWWY0SGGJYPBF4ZQA0DC8BD\"\u003eQSEHRAs\u003c/h2\u003e\u003cp\u003eThe other approach - establishing a QSEHRA - is limited to smaller employers who are not subject to the ACA employer mandate (i.e., because they average fewer than 50 full-time employees and full-time equivalents) and who do not offer an employer-sponsored group health plan to any of their employees.\u003c/p\u003e\u003cp\u003eA QSEHRA may reimburse employees for individual insurance coverage that they purchase on their own and the reimbursements may be made on a non-taxable basis. However, QSEHRA reimbursements must be made available to all eligible employees on the same terms and conditions (i.e., no discrimination) and are subject to inflation-indexed annual limits.\u003c/p\u003e\u003cp\u003eLast, but not least, just like with any other employer-based group health plan, establishing a QSEHRA will subject an employer to various regulatory compliance requirements, including plan documentation requirements and notice requirements. Small businesses are advised to work with a 3rd party QSEHRA administrator to make sure all plan requirements are met. There are costs involved, but the end result of being able to reimburse employees for individual coverage without subjecting that reimbursement to taxation might be worth it.\u003c/p\u003e\u003ch2 id=\"h_01KXH6YAP5XG6C9A6MSHH5CMKW\"\u003eCHOICE (formerly ICHRA)\u003c/h2\u003e\u003cp\u003eCHOICE (Custom Health Option and Individual Care Expense Arrangement, formerly ICHRA) is an employer-funded health benefit that allows businesses of any size to provide tax-free funds to employees to purchase their own individual health insurance plans and qualified medical expenses, rather than offering a traditional group plan.\u003c/p\u003e\u003ch2 id=\"h_01KXH6YAP6Y39DT0QAXM3J86QX\"\u003eWhat is the difference between QSEHRAs \u0026amp; CHOICE?\u003c/h2\u003e\u003cp\u003eWhile CHOICE and QSEHRAs are both employer-funded, tax-free health benefit models, there are a few key differences. CHOICE Arrangements are available to businesses of any size and offer highly customizable allowance tiers, whereas QSEHRAs are strictly for small businesses with fewer than 50 employees and require the same contribution for everyone.\u003c/p\u003e\u003ch2 id=\"h_01HKWWY0SGXSWJ7XQMNH546G8A\"\u003eAffordability Test for Employers Subject to the ACA Employer Mandate\u003c/h2\u003e\u003cp\u003eIf an employer is subject to the ACA employer mandate (i.e., because the employer averages 50 or more full-time employees and full-time equivalents), then offering an opt out payment through a cafeteria plan may impact the affordability test that must be satisfied in order to avoid ACA penalties. Since 2026, employer coverage has been considered affordable if the employee's required contribution for employee-only coverage does not exceed 9.96% of the employee’s household income (the affordability requirement for 2025 was 9.02%). For example, if employee-only coverage under employer Medical Plan A will cost an employee $100 per month, then the employer will have satisfied the ACA affordability requirement so long as $100 per month does not exceed 9.96% of the employee’s household income. However, if the employee is offered an unconditional opt out payment of $50 per month if the employee waives the employer coverage, then generally, the deemed cost of coverage will be $150 per month (i.e., the $100 out-of-pocket cost plus the “opportunity cost” of losing the $50 opt out payment) and the coverage will only satisfy the ACA affordability requirement if $150 per month does not exceed 9.96% of the employee's household income.\u003c/p\u003e\u003cp\u003eIn many cases, the difference between a monthly cost of $100 and a deemed monthly cost of $150 could be the difference between affordable coverage vs. unaffordable coverage, which can lead to ACA penalties. Generally, the only way to avoid this affordability issue is to make sure the opt out payment qualifies as a so called “eligible opt out arrangement.” Eligible opt‐out arrangements are arrangements under which opt out payments are available only to employees who provide “reasonable evidence” (which may include an employee attestation) that they and their “expected tax family” (i.e., all individuals for whom the employee reasonably expects to claim a personal exemption deduction for the taxable year) have or will have coverage other than individual insurance coverage (such as coverage under a spouse’s employer’s plan) during the period covered by the opt out arrangement. This is generally the only way to avoid having an opt out payment impact ACA affordability.\u003c/p\u003e\u003cp\u003eCompensation in lieu of benefits is still possible in the ACA era. However, in addition to the pre-ACA requirement to implement opt out payments through a cafeteria plan in order to preserve the tax-free nature of the group health plan coverage, new post-ACA requirements must also be addressed in order to prevent exposure to ACA penalties.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"Section 125 of the Internal Revenue Code that allows the tax \u003cem\u003ebenefit\u003c/em\u003e). Second, in many cases, an opt out payment must be taken","result_type":"article"},{"id":360038362552,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360038362552.json","html_url":"https://help.justworks.com/hc/en-us/articles/360038362552-Benefits-for-2-S-Corp-Shareholders","author_id":368638488971,"comments_disabled":true,"draft":false,"promoted":false,"position":12,"vote_sum":6,"vote_count":6,"section_id":32936420967451,"created_at":"2020-01-13T15:40:06Z","updated_at":"2026-01-05T16:31:18Z","name":"Benefits for \u003e2% S-Corp Shareholders","title":"Benefits for \u003e2% S-Corp Shareholders","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2025-05-23T21:21:36Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0VZMCZMWJTAV5D33M11F03R"],"label_names":["adjustments","s-corp","scorp"],"body":"\u003cfigure class=\"image wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180373964827\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\n\u003ch2 id=\"h_01HE0GQSYATTRWE4233ZQ6PXFC\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat impact does being marked as a \u0026gt;2% S-Corp Shareholder have?\u003c/span\u003e\u003c/h2\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eMarking an employee as a \u0026gt;2% S-Corp shareholder in Justworks will prevent the employee from enrolling in benefits that they are not eligible for as a result of their status, such as FSA and pre-tax commuter benefits. In addition, it will ensure that any medical, dental, and vision insurance premiums will be treated as 100% employer-paid by default, to prevent shareholders from having pre-tax deductions applied for these benefits.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIndicating a \u0026gt;2% shareholder’s status in Justworks also enables your company to account for taxation on employer-paid health insurance premiums that are considered imputed income. Each month, the value of imputed income for benefits your company makes available through Justworks will be automatically added to the shareholder’s regular, such that the correct payroll taxes can be collected and remitted. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAdditionally, each quarter, we will conduct a reconciliation process to ensure that we’ve accounted for changes in either a shareholder’s status or their benefits costs, resulting from things like qualifying life events.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eDue to all these unique restrictions and resulting payment implications, it’s very important that an individual’s \u0026gt;2% S-Corp Shareholder status marked in Justworks actually reflects their status at your company. \u003c/span\u003e\u003c/p\u003e\n\u003ch2 id=\"h_01HE0GQSYA8RX89QVP80FJR619\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat benefits are taxable for \u0026gt;2% S-Corp Shareholders?\u003c/span\u003e\u003c/h2\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe IRS imposes tax on some employer-provided benefits for \u0026gt;2% S-Corp shareholders. In general, \u0026gt;2% S-Corp shareholders may not pay for certain benefits on a pre-tax basis, including Health Savings Account (HSA) contributions, and commuter benefits. Additionally, they must be taxed on certain benefits, such as the value of employer-paid health insurance premiums, employer contributions to an HSA, and employer-provided short- and long-term disability premiums. \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may reference \u003c/span\u003e\u003ca href=\"https://www.irs.gov/publications/p15b\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS Publication 15-B\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e to learn more about the taxability of these benefits and the federal requirements.\u003c/span\u003e\u003c/p\u003e\n\u003ch2 id=\"h_01HE0GQSYA805YDRJD2T7QFN8T\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat happens if a \u0026gt;2% S-Corp Shareholder status is updated in the middle of the year?\u003c/span\u003e\u003c/h2\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAdmins can update an individual’s \u0026gt;2% S-Corp Shareholder status directly on their profile at any time during the year. However, please note that, in accordance with IRS guidance, this status applies for the entire year regardless of the date the status is applied. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf the employee has been enrolled in any employer-provided benefits that they are no longer eligible for (e.g. pre-tax health insurance), our Customer Success team will be in touch to calculate and debit for any applicable year-to-date taxes owed. Moving forward, at the start of each quarter, an automatic adjustment will be made to reconcile the taxes on the value of benefits contributions where applicable, which may result in a debit or credit to the company. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf the employee was previously indicated as a \u0026gt;2% S-Corp Shareholder, but their status is changed such that they are no longer one during the calendar year, this will also result in changes to their benefits eligibility and taxation.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEither of these changes may require reconciliation and could result in debits or credits back to the company and/or employee. You may read more about adjustments on this \u003ca href=\"https://help.justworks.com/hc/en-us/articles/360038362332\" target=\"_blank\" rel=\"noopener noreferrer\"\u003epage\u003c/a\u003e.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e \u003c/p\u003e\n\u003cp\u003e \u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"enrolling in \u003cem\u003ebenefits\u003c/em\u003e that they are not eligible for as a result of their status, such as FSA and pre-tax commuter \u003cem\u003ebenefits\u003c/em\u003e. In addition","result_type":"article"},{"id":360041721732,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360041721732.json","html_url":"https://help.justworks.com/hc/en-us/articles/360041721732-Commuter-Benefits-Overview","author_id":388388452751,"comments_disabled":false,"draft":false,"promoted":false,"position":15,"vote_sum":4,"vote_count":12,"section_id":32936357223963,"created_at":"2020-04-09T21:54:39Z","updated_at":"2026-02-27T15:00:05Z","name":"Commuter Benefits Overview","title":"Commuter Benefits Overview","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-02-27T15:00:05Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0CYZ71Z75WJFWCT5M408AEX","01K0D0KSXPJ66T4302CGC0691T","01K0D0T6YM38XVHE7FPA0W2HAE","01K0FK2WP0V58GZKX3EDYGHNKK","01K0FK4RFST766MFV1Q607VYBP","01K0FK538QD0Q5V3HH7B97Z3W8","01KJDVX05VQGSECBKSDP0S2599"],"label_names":["commuter","commuter benefits","omny"],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180374029083\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe src=\"https://player.vimeo.com/video/1111404756?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"How to Set Up Commuter Pretax Benefits with Optum Financial\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE18AAB2QCV0332QBY8W3JWP\"\u003e\u003cstrong\u003eCommuter Benefits \u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCommuter Benefits allow employees to pay for qualified work-related transportation and parking expenses with pre-tax dollars. Offering this benefit is a great retention and recruiting tool for employers, as it helps employees save tax dollars to cover qualified commuting costs.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCommuter benefits can be used for any one or a combination of the following:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"e15337d46d3f4c4aca70d2baab903c5b2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUse of a commuter highway vehicle* between the employee's home and work place\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"e75f8ce79482aeef0679c393f62e745c5\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eA transit pass\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"ef38c9aabb71bbb2b5c78049250c14582\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eQualified parking\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003e*a commuter highway vehicle has a seating capacity of 6 adults plus a driver. This can be a private vehicle but must be used 80% of the time for work commuting purposes and on average be at minimum half capacity.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE18AAB2PRSCMAPF2X1ZKQ6E\"\u003e\u003cstrong\u003eEligibility\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"color: #1c1d1f;\"\u003eFor companies that choose to offer commuter benefits through Justworks, all full time employees and part-time employees, including paid interns, as well as paid owners are eligible to take advantage of pre-tax commuter benefits. However, unpaid owners, \u0026gt;2% S-Corp shareholders, and contractors are not eligible to take advantage of the pre-tax benefit.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif; font-size: 1.5em;\"\u003eContribution limits\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe IRS limits the pre-tax amount employees are able to contribute and use for commuter benefits on a monthly basis.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"width: 100%;\"\u003e\u003ctable style=\"border-collapse: collapse;\"\u003e\u003ctbody\u003e\n\u003ctr style=\"height: 51px;\"\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; width: 33.2857%;\"\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cstrong\u003ePre-tax Monthly Contribution limits\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e\u003cstrong\u003e2025\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e\u003cstrong\u003e2026\u003c/strong\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 10px;\"\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; width: 33.2857%;\"\u003eTransit\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$325\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$340\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 51px;\"\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; width: 33.2857%;\"\u003eParking\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$325\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$340\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 52px;\"\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; width: 33.2857%;\"\u003eTotal monthly pre-tax deferral\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$650\u003c/td\u003e\n\u003ctd style=\"border-color: #000000; height: 52px; text-align: center; width: 33.2857%;\"\u003e$680\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\u003cp\u003eEmployees can take advantage of both transit and parking benefits, each up to the pre-tax limit. Anything above the monthly limit will be on a post-tax basis.\u003c/p\u003e\u003cp\u003eFor example, in 2024 an employee can contribute and use up to $315 for transit and $315 for parking for a total of $630. However, if an employee wants to use $350 for transit only $315 would be pre-tax.\u003c/p\u003e\u003ch2 id=\"h_01HE18AAB2CQX7ZV6V592TC4QF\"\u003e\u003cstrong\u003eAre companies required to offer commuter benefits to employees?\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCertain states and municipalities require that some employers must offer commuter benefits. We are going to break down those requirements and who they apply to.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eNYC: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eNYC Transit Ordinance requires that employers, located in any of the five boroughs with 20 or more \u003c/span\u003e\u003cem\u003e\u003cspan style=\"font-weight: 400;\"\u003efull time\u003c/span\u003e\u003c/em\u003e\u003cspan style=\"font-weight: 400;\"\u003e employees, offer commuter benefits for transit. Parking benefits are not required for NYC companies. To qualify, employees only have to work in NYC, they do not have to live in the city. For more specific information about NYC Commuter Benefits please visit their website \u003c/span\u003e\u003ca href=\"https://www1.nyc.gov/site/dca/workers/workersrights/commuter-benefits-law-for-workers.page\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eNew Jersey:\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e The New Jersey Commuter Benefit Ordinance requires all employers who have 20 or more employees, not covered by a collective bargaining agreement, offer commuter benefits. Tax exempt employers are excluded from this act. Employees do not have to live in New Jersey to be eligible for commuter benefits. For more specific information about New Jersey Commuter Benefits please visit their website \u003c/span\u003e\u003ca href=\"https://www.edenredbenefits.com/blog/8-facts-to-know-for-new-jerseys-commuter-benefits-law\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePhiladelphia: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003ePhiladelphia Commuter Ordinance requires that employers who have 50 or more employees\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e(averaging 30 or more hours per week), offer commuter benefits for transit. To qualify, employees only have to work in Philadelphia, they do not have to reside in the city. For more specific information about Philadelphia Commuter Benefits please visit their website \u003c/span\u003e\u003ca href=\"https://www.benefitresource.com/blog/philadelphia-commuter-ordinance-and-what-employers-need-to-know/#:~:text=The%20new%20ordinance%2C%20%E2%80%9CEmployee%20Commuter,the%20previous%2012%2Dmonth%20period.\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ehere\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eWashington DC:\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e Sustainable DC Omnibus Amendment Act requires employers with 20 or more employees to offer commuter benefits. For more information about options under the act please visit D.C’s page \u003c/span\u003e\u003ca href=\"https://www.edenredbenefits.com/blog/washington-dc-has-a-commuter-benefits-ordinance-in-place\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cstrong\u003eThe DC Parking Cash Out Law\u003c/strong\u003e requires companies with 20 or more employees that rent or have parking space available and lease or allow their employees to use the spaces to report the number of employees utilizing the parking benefit and complete one of the following:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e583bbbfe6ae1694cb36df169d9c0fa9d\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eprovide a Clean Air Fringe Benefit* equal to or greater than the value of the parking benefit,\u003c/span\u003e\u003c/li\u003e\n\u003cli data-list-item-id=\"e6ab01a74f68d618be70a7aeeba3da9e1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eimplement a transportation demand management plan that meets the District Department of Transportation(DDOT) standards, or\u003c/span\u003e\u003c/li\u003e\n\u003cli data-list-item-id=\"e031009a5de4a41e16c71529d24c13448\"\u003e\u003cspan style=\"font-weight: 400;\"\u003epay a Clean Air Compliance fee to DDOT for each employee offered parking benefits every month.\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003e*Should you decide to provide a Clean Air Fringe Benefit, this can be recorded on the Justworks platform using the \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004519491-Fringe-Benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFringe Benefit Tool\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e in the Payments Center.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eFor more information please see the DC Parking Cash Out Law’s \u003c/span\u003e\u003ca href=\"https://godcgo.com/wp-content/uploads/2022/01/DC-Parking-Cashout-Law-Toolkit.pdf?utm_source=DOES+%26+DDOT+DC+Employer+List\u0026amp;utm_campaign=32995be57f-EMAIL_CAMPAIGN_2019_11_13_08_14_COPY_01\u0026amp;utm_medium=email\u0026amp;utm_term=0_0577a07cf8-32995be57f-711046385\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmployer Guide\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e and \u003c/span\u003e\u003ca href=\"https://godcgo.com/wp-content/uploads/2022/02/Transportation-Benefits-Equity-Amendment-Act-of-2020.pdf?utm_source=DOES+%26+DDOT+DC+Employer+List\u0026amp;utm_campaign=32995be57f-EMAIL_CAMPAIGN_2019_11_13_08_14_COPY_01\u0026amp;utm_medium=email\u0026amp;utm_term=0_0577a07cf8-32995be57f-711046385\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFAQs\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eSeattle:\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e Seattle Commuter Benefit Ordinance requires employers who have 20 or more employees to offer commuter benefits. Tax exempt employers are excluded. Employees do not have to live in Seattle to be eligible for commuter benefits. For more information on the specifics of Seattle's Commuter Benefits please visit their website \u003c/span\u003e\u003ca href=\"https://www.seattle.gov/laborstandards/ordinances/commuter-benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eLos Angeles, CA: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eLos Angeles County Metropolitan Transportation Authority requires that all employers with a total of 50 to 249 employees (full-time and part-time) at a single worksite, must offer a commuter tax benefit to every full-time employee at that worksite. For more information about this ordinance please see \u003c/span\u003e\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB2548\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eBay Area, CA: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eBay Area Commuter Benefits Program requires that all employers with 50 or more employees (averaging 10 or more hours per week) reporting to work \u003c/span\u003e\u003ca href=\"https://www.google.com/maps/d/viewer?mid=1s1jjU05bPrxj-qR6yNxtw38XJ78\u0026amp;ll=37.885335527693854%2C-122.115779\u0026amp;z=8\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ewithin the Bay Area\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e , must offer commuter benefits. This Ordinance overlaps with the San Francisco, Richmond, and Berkeley city ordinances to ensure companies with workers spread across various cities are also obligated to provide commuter benefits. For more specifics about the Bay Area program please visit their website \u003c/span\u003e\u003ca href=\"https://511.org/employers/commuter-benefits-program\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere.\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e For information on city ordinances, please see below. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eSan Francisco: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eSan Francisco Commuter Benefits Ordinance requires all employers with 20 or more employees (averaging 10 or more hours per week) nationwide offer commuter benefits. For more specifics about the San Francisco Commuter Benefits Ordinance please visit their website \u003c/span\u003e\u003ca href=\"https://www.sfenvironment.org/commuter-benefits-ordinance-sf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere.\u003c/a\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eRichmond, CA: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eRichmond Commuter Benefits Ordinance requires all registered businesses in Richmond with 10 or more employees (averaging 10 or more hours per week) offer commuter benefits. For more information on the specifics of the Richmond Commuter Benefits Ordinance please visit their website \u003c/span\u003e\u003ca href=\"https://www.ci.richmond.ca.us/3119/Commuter-Benefits-Ordinance\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere.\u003c/a\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eBerkeley, CA: \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003eBerkeley Municipal Code 9.88 requires that all employers with 10 or more employees (averaging 10 or more hours per week) offer commuter benefits. For more information on the specifics of Berkeley’s Municipal Code please visit their website \u003c/span\u003e\u003ca href=\"https://berkeleyca.gov/doing-business/operating-berkeley/tracc-commuter-benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere.\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE18FB8EZWMJHTMJ03R563QY\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWant to offer your employees commuter benefits?\u003c/strong\u003e\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eLog into Justworks and navigate to the Benefits section under HR on the left hand side. From there navigate to the add benefits tab and select commuter.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"our Video Library for more tutorials Commuter \u003cem\u003eBenefits\u003c/em\u003e Commuter \u003cem\u003eBenefits\u003c/em\u003e allow employees to pay for qualified work-related","result_type":"article"},{"id":360004990231,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004990231.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004990231-General-Benefits-FAQs","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":31,"vote_sum":4,"vote_count":40,"section_id":32936387772955,"created_at":"2018-06-19T23:40:59Z","updated_at":"2026-04-15T18:42:53Z","name":"General Benefits FAQs","title":"General Benefits FAQs","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-04-15T18:42:53Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV","01K0VZPHJDRWKF3AFP05F97VM8"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180349331099\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7A3H1P4A6WJCDCF96Q\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWho is eligible for benefits?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAll full-time U.S.-based employees, certain owners, and any part-time U.S.-based employees working, on average, at least 30 hours of service per week are eligible for benefits.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: #1c1d1f;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cstrong\u003eNote:\u003c/strong\u003e Our \u003c/span\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004633891-Member-Types-in-Justworks\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMember Types in Justworks\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"color: #1c1d1f;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e Help Center article has a detailed breakdown of each member type available and information on their benefits eligibility.\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7ACH4Y1M4GDQE7SRSA\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhen is our plan year?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eJustworks’ plan year is November 1st – October 31st.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYour company will have the opportunity to change the plans made available to U.S.-based employees and/or employee contribution levels every Fall during company health insurance renewals. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAll employees will go through open enrollment each Fall, following company plan selection.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf an employee switches plans during open enrollment in the Fall, the amount they've paid into their deductible for the year will carry over into their new plan's deductible and then reset on January 1st. More information on deductibles can be found \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360047487431-Deductibles#:~:text=A%20deductible%20is%20the%20amount,deductibles%20reset%20with%20Justworks%20plans.\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7A3JBZQ6X73QCG4AC0\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow are plan premiums paid?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYour company is invoiced to cover the full premiums of the plans one month in advance. Your company is then credited back as employees pay their portion of the premiums over the two pay periods in the benefit month. For example, Justworks pays the full premium for February in January, and employees are deducted for one-half of their February contribution from each of two paychecks in February.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7AYM6692895BH6KG3C\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhen are new employees eligible for benefits? \u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIn general, U.S.-based employees are eligible for benefits on the first of the month following their Justworks start date. For example, if an employee starts any day in August, their coverage will be effective September 1. However, a company may set up a 30- or 60-day \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004520811-Benefits-Classes-and-Waiting-Periods#h_01JWYBS1JDANYM2WG825PE4XDM\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ewaiting period\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e which would delay the eligibility date.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eNew employees have 30 days to enroll in their plans. If there is a 0-day waiting period, their enrollment period will start on their date of hire. If they have a 30- or 60-day waiting period, their enrollment period will start once their waiting period is satisfied.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: #1c1d1f;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou may read more about Waiting Periods and enrollment timeframes in our Help Center article \u003c/span\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360027745131-Waiting-Periods-\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ehere.\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7A1MR1ET1JSGW5310Q\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat happens if an employee leaves mid-month?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eU.S.-based employees will remain on their medical, dental, and/or vision plans until the end of the calendar month in which they are separated. Since health insurance billing takes place a month in advance, if a company has already paid fees intended to cover Justworks’ costs for the next month’s coverage, Justworks will reimburse the company.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmployees will receive a COBRA packet directly from our COBRA administrator within 14 days of the employee’s loss of coverage. You can find additional information on COBRA \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004530571-COBRA-Coverage\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e to share with employees as needed. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01H947AP7AA6AM21QJFVPW8V8X\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow is my company charged for insurance?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eLearn more about company insurance billing \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004479912-Insurance-Billing\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp id=\"h_01J2YCMKBMRKM40A8YRQ2BZ7C6\"\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"new employees eligible for \u003cem\u003ebenefits\u003c/em\u003e? In general, U.S.-based employees are eligible for \u003cem\u003ebenefits\u003c/em\u003e on the first of the month","result_type":"article"},{"id":38784056038683,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/38784056038683.json","html_url":"https://help.justworks.com/hc/en-us/articles/38784056038683-Company-Benefits-Center","author_id":30861880145435,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936136584347,"created_at":"2025-07-09T14:06:58Z","updated_at":"2026-09-03T06:06:29Z","name":"Company Benefits Center","title":"Company Benefits Center","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-03T06:06:29Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01HY5XDQKCWKQM8943269AZKWD","01K0VZJH709GSV614K63GAD7T0","01K0VZPHJDRWKF3AFP05F97VM8","01KJDVX05VQGSECBKSDP0S2599"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/38784385674139\" alt=\"Employer - PEO \u0026amp; Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eThis article is about Justworks PEO and Payroll. \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe src=\"https://player.vimeo.com/video/1101354624?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"Benefits Center Tour\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01K0769V3EVT66SPC2XEPBF619\"\u003eOverview\u003c/h2\u003e\u003cp\u003eYour Company Benefits Center is your one-stop shop for all things benefits. From viewing pending tasks and checking current enrollments to adding new benefits, everything you need is just a click away. Check it out by navigating to the \u003cstrong\u003eBenefits\u003c/strong\u003e section in your side menu.\u003c/p\u003e\u003cp\u003eLet’s review the highlights to help you get the most out of your Benefits Center, noting that exact designs and functionality may differ depending on which benefits you offer. \u003c/p\u003e\u003ch3 id=\"h_01JZQR2M46RV89QSAC1KXZ6PCG\"\u003eAlerts\u003c/h3\u003e\u003cp\u003eAt the top of the page, you’ll see a banner populate if you have upcoming actions or deadlines. Whether it's completing Plan Selection or renewing your HSA and FSA offerings, these reminders will help you manage your benefits with confidence. No tasks listed? You’re all caught up, congrats! \u003c/p\u003e\u003cfigure class=\"wysiwyg-image wysiwyg-image-resized\" style=\"width: 100%;\"\u003e\u003cimg style=\"aspect-ratio: 624/140;\" src=\"https://help.justworks.com/hc/article_attachments/38784080105115\" width=\"624\" height=\"140\"\u003e\u003c/figure\u003e\u003ch3 id=\"h_01JZQR3J603SSS2QA9GPC3580M\"\u003eAdd Benefits \u003c/h3\u003e\u003cp\u003eOn the upper right, select the \u003cstrong\u003eAdd Benefits\u003c/strong\u003e button to explore a list of benefits you can offer your team. Click on each tile for more information on costs, eligibility, and benefit structure (and of course to enroll!). You can also add perks and programs you offer outside of Justworks—from casual Fridays to a mentorship program—by clicking on \u003ca href=\"https://help.justworks.com/hc/en-us/articles/360038286132-Custom-Benefits-and-Perks\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eCustom Benefits\u003c/a\u003e. Once you add benefits, they’ll appear in the Benefits Center main dashboard. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 357/259; width: 97.86%;\" src=\"https://help.justworks.com/hc/article_attachments/38784080106395\" width=\"357\" height=\"259\"\u003e\u003c/strong\u003e\u003c/p\u003e\u003ch2 id=\"h_01JZQR6R965FG75RXY6VK88QEP\"\u003eSimple Tabs\u003c/h2\u003e\u003cp\u003eFind easy access to actions needed throughout the year, such as: \u003c/p\u003e\u003cfigure class=\"wysiwyg-image wysiwyg-image-resized\" style=\"width: 100%;\"\u003e\u003cimg style=\"aspect-ratio: 2870/428;\" src=\"https://help.justworks.com/hc/article_attachments/38784377702683\" alt=\"Screenshot 2025-07-09 at 10.12.26 AM.png\" width=\"2870\" height=\"428\"\u003e\u003c/figure\u003e\u003ch3 id=\"h_01JZQR7MGWVMV98PQA833JEG36\"\u003eActive Benefits\u003c/h3\u003e\u003cp\u003eView all of the benefits you offer in one place, organized by category: Health Insurance, Supplemental Health Benefits, Financial Benefits, Life \u0026amp; Disability Insurance, International Benefits, Health + Wellness Perks, and Custom Benefits you offer outside of Justworks. The overview cards display high level enrollment metrics and the effective date.\u003c/p\u003e\u003cp\u003eFor more information on plan specifics, employee enrollment data, and costs, click View Details. From there, you can further click into individual plan cards for more granular details, separate from the aggregate views, and use filters to narrow your search by benefit type.\u003c/p\u003e\u003ch3 id=\"h_01JZQR80AHDCD3KAKF6R07KKBV\"\u003ePlan History\u003c/h3\u003e\u003cp\u003eFilter by plan year to view past medical, dental, and vision plans your company enrolled in through Justworks, along with associated costs. You'll also find historic information on Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs).\u003c/p\u003e\u003ch3 id=\"h_01JZQR88SVABXYQXVFXKJV5KN3\"\u003eIncidents \u003c/h3\u003e\u003cp\u003eSubmit a workers compensation claim, request of waiver of subrogation, and access certificates of insurance.\u003c/p\u003e\u003ch3 id=\"h_01JZQR8FCVF38GA3XXZ4XTGN3C\"\u003eManage QLEs\u003c/h3\u003e\u003cp\u003eManage Qualifying Life Events requested and coverage changed for your employees.\u003c/p\u003e\u003cp\u003e\u003cem\u003e\u003cstrong\u003eNote:\u003c/strong\u003e This section is for companies participating in Open Market plans only.\u003c/em\u003e\u003c/p\u003e\u003ch2 id=\"h_01JZQR8XVRWKFPCRA7AFJ0AHMQ\"\u003eResources\u003c/h2\u003e\u003cp\u003eUnder \u003cstrong\u003eHealth and Wellness Perks \u0026gt; View Details\u003c/strong\u003e, find a toolkit with ready-to-go email templates, Slack messages, PDFs, and blogs to help you boost benefits adoption with your team. Whether it’s Mental Health Awareness Month or Flu Season, we’ve done the prep so you can show the value of your benefits suite—no heavy lifting needed. \u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"program—by clicking on Custom \u003cem\u003eBenefits\u003c/em\u003e. Once you add \u003cem\u003ebenefits\u003c/em\u003e, they’ll appear in the \u003cem\u003eBenefits\u003c/em\u003e Center main dashboard. Simple","result_type":"article"},{"id":41418873066395,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/41418873066395.json","html_url":"https://help.justworks.com/hc/en-us/articles/41418873066395-Justworks-Payroll-Benefits","author_id":1902370830924,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936431480475,"created_at":"2025-09-24T21:38:54Z","updated_at":"2026-09-04T17:30:20Z","name":"Justworks Payroll: Benefits","title":"Justworks Payroll: Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-04T17:30:20Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01JE420XA687X9H7C1FZZFAZKF","01JXJK3CA95EBABX8PM4ZSHQ24","01K0VZKZXHZWTWNQ43J09K4Q6K"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/41418873048731\" alt=\"Employer - Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks Payroll. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01K5YTAA7XQ72T20FXNMVG433Z\"\u003eHow to Offer Benefits Through Justworks Payroll\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eJustworks Payroll empowers employers to offer their employees benefits directly through our platform, seamlessly integrating plans, payroll deductions, new hire enrollment, and more. You can find more details about the type of benefits your business can offer through Justworks Payroll below.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTAG2X5PVXF4M7BB1NACB8\"\u003eTraditional Health Insurance\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eJustworks Payroll can provide direct access to Small Group health insurance through the Open Market for eligible customers. Small group health insurance plans are accessible to companies smaller than a certain size — either 50 or 100 benefits-eligible employees, depending on where the company is located.*\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eQualifying Justworks Payroll customers can request a quote for the following:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e34b1b615d3c9d55c7919deee62c0043a\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eMedical insurance\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e77cb0c9fff3acfeea09a1757335eff07\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eDental insurance\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"ebddad7e6ef2f4207c499dfbda97c52d1\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eVision insurance\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eWhen a company offers health insurance through Justworks Payroll, employees’ health insurance premium deductions are automatically applied to their payroll and included on their year end tax forms. Depending on the company’s location and its policy carrier, automatic monthly payments to the carrier may also be set up.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e*Want to know more? You can review this list of \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/16971298765467-Large-Group-vs-Open-Market-Health-Insurance\" target=\"_blank\" rel=\"noopener noreferrer\"\u003estates eligible for Open Market health insurance\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e through Justworks Payroll and the carriers we work with in each state.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01KVWX74YX56EX320PDEMB9PGB\"\u003eHealth Insurance Reimbursements\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eInstead of offering traditional group health insurance, an \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/49802961580827-Health-Insurance-Reimbursements-via-ICHRA-For-Employers\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"background-color: #ffffff; color: #096ECC;\"\u003eCustom Health Option and Individual Care Expense Arrangement\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e (CHOICE formerly ICHRA) enables you to set a monthly, tax-free allowance, and employees use it to purchase their own individual health insurance—choosing plans that best fit their needs, location, and doctors. If a plan costs more than an employee’s allowance, the difference is automatically deducted from their Justworks paycheck. Depending on your plan setup, any remaining funds may also be used for eligible healthcare expenses, such as contact lenses or therapy.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eNote: You can't offer a traditional group health plan and an CHOICE at the same time. You'll need to choose the approach that best fits your team.\u003c/p\u003e\u003ch3 id=\"h_01K5YTAMFH2RZFFZECXX87JAB1\"\u003eAncillary Benefits\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eIn addition to health insurance, companies can offer the ancillary benefits outlined below through Justworks Payroll. Contributions for ancillary benefits offered through Justworks Payroll are automatically applied to employees’ payroll and recorded on their year end tax forms.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTAT8R4A2CNFAWV37RCZZY\"\u003eFlexible Spending Accounts\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eA \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004481412-Flexible-Spending-Accounts-Healthcare-FSA-Dependent-Care-FSA\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFlexible Spending Account (FSA)\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e is a benefit that allows employees to use pre-tax dollars to pay for out-of-pocket health insurance or dependent care expenses. Please note that only companies offering Medical coverage through Justworks Payroll are eligible to offer an FSA through the platform.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eEmployees who enroll in an FSA can elect an amount of pre-tax funds they would like to set aside for the year. This total amount is then broken up and deducted evenly from each paycheck for the remainder of the year.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThe two types of FSAs available through Justworks Payroll are: \u003c/span\u003e\u003c/p\u003e\u003col\u003e\n\u003cli data-list-item-id=\"ed1609dc2164a4f4ef3c76d84e7f5f585\"\u003e\n\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cstrong\u003eHealthcare FSA:\u003c/strong\u003e Typically, healthcare FSAs are used to cover medical, dental or vision expenses that an employee would otherwise pay for out-of-pocket, including co-pays and deductibles. For a full list of qualified expenses, please visit \u003c/span\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-publication-502\"\u003eIRS Publication 502\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e.\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e73be4de9efbd5bcba17ccf386fce19dd\"\u003e\n\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cstrong\u003eDependent Care FSA:\u003c/strong\u003e Employees enrolled in a Dependent Care FSA can be reimbursed for the work-related cost of care for a qualifying dependent. For a full list of qualified expenses please visit \u003c/span\u003e\u003ca href=\"https://www.irs.gov/forms-pubs/about-publication-503\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS Publication 503\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e.\u003c/span\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\u003ch3 id=\"h_01K5YTAZ8BGFZXS3HR0JD5D0XG\"\u003eHealth Savings Account\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eA \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004530431-Health-Savings-Account-HSA\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eHealth Savings Account (HSA)\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e is a pre-tax savings account available to employees who are enrolled in a qualified High Deductible Health Plan (HDHP). Eligible employees who enroll in an HSA can make tax-free contributions to pay for health insurance costs for themselves and tax dependents both now and in the future. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eExamples of qualifying expenses would include doctor and hospital visits, co-payments, eyeglasses, prescriptions, certain long-term insurance premiums, and COBRA premiums. HSA funds can also be used to pay for a covered participant’s deductible.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #444746;\"\u003eIn contrast to FSAs, eligible employees can enroll in an HSA or update their HSA deferral amount \u003c/span\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eat any time\u003c/span\u003e\u003cspan style=\"background-color: #ffffff; color: #444746;\"\u003e throughout the year. Additionally, HSA funds never expire, whereas FSA funds are forfeited at the end of the calendar year or when an employee is separated from the business.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTB40EQ6BQMG3JN3C808MC\"\u003eBasic Life Insurance\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eJustworks Payroll customers can provide basic life insurance to their employees, which is life insurance that’s 100% paid for by the company and inclusive of Accidental Death \u0026amp; Dismemberment (AD\u0026amp;D) coverage.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eEmployers are able to choose one policy from 9 different life insurance plans when enrolling through Justworks Payroll. Once a policy is selected, all eligible employees will be automatically enrolled into the plan. The company will be able to work with the policy carrier to set up direct debits for monthly premiums.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTB8RHCH3N70PY828ET7JH\"\u003eDisability Insurance\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eJustworks Payroll customers have the option to provide long-term disability insurance and/or short-term disability insurance. Employers are able to offer one or the other, and will have the opportunity to choose from different coverage tiers for both types of coverage.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eCurrently, disability insurance policies offered through Justworks Payroll are 100% paid for by the company. The company will be able to work with the policy carrier to set up direct debits for monthly premiums.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTBD255FWJ7RQ0CVQ8QCY7\"\u003eRetirement Planning\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eFor retirement planning, Justworks Payroll customers can offer a 401(k), which is a type of retirement savings plan sponsored by an employer that allows employees to save and invest a portion of their wages either before taxes are taken out (traditional) or after taxes (Roth).\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThis type of retirement plan benefit allows employees to save for their futures without needing to rely on an employer offering a pension. While not required, an employer can choose to match employee 401(k) plan contributions.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eJustworks Payroll partners with \u003c/span\u003e\u003ca href=\"https://www.accrue401k.com/pricing?gl_cta=navbar\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eAccrue to provide an integrated 401(k) plan\u003c/a\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e. This means that 401(k) plan deferrals and any company matches could automatically be applied to participating employees’ paychecks and contributed directly to their 401(k) accounts.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTBKFTM7E81AF18JXKCFAF\"\u003eSetting Up Health Insurance Through Justworks Payroll\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eTo receive a health insurance quote and start selecting plans for your company, an admin with ‘Manage company benefits’ permissions can go to the \u003cstrong\u003eBenefits\u003c/strong\u003e on the left side menu of their Justworks Payroll account.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eFrom there, you will need to click the ‘Browse benefits’ button on the right hand side of the page to indicate your interest in offering benefits through Justworks Payroll.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1281/1055; width: 88.79%;\" src=\"https://help.justworks.com/hc/article_attachments/44143338404891\" width=\"1281\" height=\"1055\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot of the 'Browse benefits' button in the \u003cstrong\u003eBenefits\u003c/strong\u003e tab.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThen, a ‘Continue’ button will appear on the right hand side of the page, which you will need to click to access the Benefits Center.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1274/1042; width: 89.6%;\" src=\"https://help.justworks.com/hc/article_attachments/44143320259355\" width=\"1274\" height=\"1042\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the 'Continue' button that needs to be clicked to access the Benefits Center.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eIn the Benefits Center, you’ll need to click the ‘Add benefits’ button to view your company’s benefits options.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873053211\" width=\"624\" height=\"323\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot of the 'Add benefits' button admins will need to press to view their benefit options.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eOn the following page, you’ll want to click the ‘Health Insurance’ tile to view more details about Medical, Dental and/or Vision coverage.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873055259\" width=\"624\" height=\"323\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the benefit options available for admins to select.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eNext, you can click the ‘Get a quote’ button to request a quote for health insurance.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873056795\" width=\"624\" height=\"421\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing where to click the 'Get a quote' button.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eIf your company is eligible for health insurance based on the location of its primary business address, you will be able to move forward with requesting a quote. If your company is not eligible to offer health insurance through Justworks, you will receive a message stating otherwise.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eBefore moving forward in the quote process, you will need to acknowledge that your company has at least two W-2 employees from different households who are eligible for health insurance, as this is a requirement to receive a quote as well. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003ePlease note that this does not mean both benefits-eligible employees would need to enroll in coverage — the company just needs two employees who are eligible to enroll if they wish.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873057947\" width=\"624\" height=\"405\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the company information that needs to be confirmed before moving forward with requesting a health insurance quote.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eOn the next page, you’ll be prompted to provide further information about your business to receive a quote for health insurance.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThese details include:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e48786ee16fbda5d3644cdde0d8746ea6\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eYour company’s primary address\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"ed36ac480333eb04af169fd1af2660279\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eYour industry SIC code\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"ef7421f045870495e882c405455791c2a\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThe preferred start date for your new health insurance policies\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873058971\" width=\"624\" height=\"493\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the business information that will need to be provided to receive a health insurance quote.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eNext, you will need to provide your company’s census information.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #9fc5e8; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418900234139\" width=\"624\" height=\"489\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eScreenshot showing where to submit company census information.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #9fc5e8; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eIn addition to employee information, you will need to enter information for any dependents your employee(s) may have.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418900234395\" width=\"624\" height=\"581\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the employee dependent information that will need to be entered.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eOnce these details have been entered, you will be prompted to review the information before submitting it by clicking the ‘Continue’ button.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418873062427\" width=\"624\" height=\"728\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot of the business information an admin will need to review before continuing.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eAfter clicking ‘Continue,’ you will see one of the following notifications:\u003c/span\u003e\u003c/p\u003e\u003col\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"ee0a10bc2b730603104b39c54c1f0b154\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cstrong\u003eInstant Quote:\u003c/strong\u003e If you’re able to be quoted instantly based on your company’s information, you’ll see an option to view your health insurance quote and select plans immediately by clicking a ‘Get Started’ button.\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"ed6826d6a7255816bc12d48e24cb6f226\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cstrong\u003eQuote in Progress:\u003c/strong\u003e If your company’s information requires further review, you will see a message letting you know our team is processing your quote request and the quote will be sent to you within 2-5 business days.\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e1cb89b4bc882f8b1a476bc92a4734e59\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e\u003cstrong\u003eIneligible for Quote:\u003c/strong\u003e If your company is not eligible to offer health insurance through Justworks based on its information, you will receive a message stating that we are not able to provide a quote at this time.\u003c/span\u003e\u003c/li\u003e\n\u003c/ol\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eIf your company is eligible to receive a health insurance quote, the quote will be available in the Benefits Center of your Justworks Payroll account. Wondering what this might look like? Check out the image below to see a sample quote.  \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/41418900235291\" width=\"624\" height=\"707\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eImage of a sample health insurance quote that an admin could receive.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K5YTBX11MB233W3TQ8ZH9J7R\"\u003eWho Is Eligible for Benefits\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eThese are the members eligible for benefits through Justworks Payroll:\u003c/span\u003e\u003c/p\u003e\u003cul\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e5faa312cce0297ecf351b92a6bf85a67\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eW-2 employees working 30+ hours per week\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e3f6eaf2da5e8305ae18ab405155bdfd3\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003ePaid owners\u003c/span\u003e\u003c/li\u003e\n\u003cli class=\"wysiwyg-list-color\" style=\"--wysiwyg-list-marker-color: #2f3941;\" data-list-item-id=\"e3f21e3158704d26a85aceab156b85201\"\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eUnpaid owners\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003eAdmins can update a member’s benefits eligibility by following \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/27743538079131-Justworks-Payroll-Making-Changes-to-Employee-Compensation\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ethese steps\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003e.\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"Center. In the \u003cem\u003eBenefits\u003c/em\u003e Center, you’ll need to click the ‘Add \u003cem\u003ebenefits\u003c/em\u003e’ button to view your company’s \u003cem\u003ebenefits\u003c/em\u003e options. Screenshot","result_type":"article"},{"id":54121646205339,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/54121646205339.json","html_url":"https://help.justworks.com/hc/en-us/articles/54121646205339-Supplemental-Health-Benefits","author_id":372078910432,"comments_disabled":true,"draft":false,"promoted":true,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936526987547,"created_at":"2026-08-07T17:35:39Z","updated_at":"2026-09-03T18:47:25Z","name":"Supplemental Health Benefits","title":"Supplemental Health Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-03T18:47:25Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01M00VGYDFKHZFC45G3E86K67F"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/54434499567003\" alt=\"Employee - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe src=\"https://player.vimeo.com/video/1222124765?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"How to Enroll in Supplemental Benefits: Hospital Indemnity, Accident, \u0026amp; Critical Illness\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01M00TZ0GAYAK7EM3EV38CSK06\"\u003eWhat are Supplemental Health Benefits? \u003c/h2\u003e\u003cp\u003eSupplemental health benefits pay lump-sum cash directly to you if you or a covered family member suffers an illness, experiences an injury, or is admitted into the hospital. Check out \u003ca href=\"http://justworks.com/blog/what-are-supplemental-health-benefits-and-how-can-they-help-me\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eour blog article\u003c/a\u003e for more information on each benefit offered and when they’d be a good fit.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eNeed help choosing your benefits?\u003c/strong\u003e Join our live Open Enrollment webinar, \u003ca href=\"https://events.justworks.com/webinar-get-ready-to-enroll-22SEP26\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cstrong\u003eGet Ready to Enroll\u003c/strong\u003e\u003c/a\u003e on \u003cstrong\u003eSeptember 22 at 2 PM ET\u003c/strong\u003e to learn more about these new benefits and ask our benefits experts questions live. \u003ca href=\"https://events.justworks.com/webinar-get-ready-to-enroll-22SEP26\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eRegister here\u003c/a\u003e, and we'll send the recording afterward.\u003c/p\u003e\u003ch3 id=\"h_01M00TZF88MRKTZC8WPHE59W2K\"\u003eHow are these different from my standard medical insurance?\u003c/h3\u003e\u003cp\u003eHealth insurance helps pay your doctors and hospitals. Supplemental Health Benefits pay cash directly to you, helping to cover deductibles, groceries, rent, childcare, transportation, or other everyday expenses that can come with an unexpected medical event. \u003c/p\u003e\u003cp\u003eThey provide extra peace of mind and financial protection, particularly popular with people who have a High Deductible Health Plan (HDHP), support dependents, have a family medical history of serious illness, are planning a procedure or future pregnancy, or simply want to prepare for life’s unexpected moments.\u003c/p\u003e\u003ch3 id=\"h_01M00V000200NQGFFANJY58PG8\"\u003eWhy should I enroll through Justworks instead of buying a policy on my own?\u003c/h3\u003e\u003cp\u003eWhen you enroll through Justworks, you receive access to discounted group rates, curated plans that are specifically designed to work alongside your core medical coverage, and automatic payroll deductions.\u003c/p\u003e\u003ch2 id=\"h_01M00TXV3Q43YRRBK11635K9K0\"\u003ePlan Options \u0026amp; Coverage\u003c/h2\u003e\u003ch3 id=\"h_01M00V4SQYSSJJTKHFV0TM0TS1\"\u003eWhat types of supplemental health benefits are available and which one is right for me? \u003c/h3\u003e\u003cp\u003eYou have access to three different benefits, depending on your needs. You can enroll in one—or combine multiple—to build the protection that's right for you:\u003c/p\u003e\u003ch3 id=\"h_01M00V0DS808DDJGWP4N1CK848\"\u003eCritical Illness Insurance:\u003c/h3\u003e\u003cp\u003eBest if you are concerned about a critical diagnosis. It pays a lump-sum amount if you are diagnosed with a covered serious condition, like cancer, a heart attack, or a stroke..\u003c/p\u003e\u003ch3 id=\"h_01M00V0QD2ZPAAK9ZFE5K2KDWR\"\u003eAccident Insurance:\u003c/h3\u003e\u003cp\u003eBest if you are concerned about injuries from accidents (like falls, sports, or car accidents). It pays set amounts for injury treatments), hospitalization, physical therapy, emergency room treatment, and transportation.\u003c/p\u003e\u003ch3 id=\"h_01M00V15VMN55P2D2MQM96N5J6\"\u003eHospital Indemnity Insurance: \u003c/h3\u003e\u003cp\u003eBest if you are concerned about the cost of being in the hospital. It pays cash for hospital admissions and/or each day you are in the hospital (including Intensive Care). This may be a good fit if you think you may need a procedure or if you plan to grow your family in the future.\u003c/p\u003e\u003cp\u003eCheck out our \u003ca href=\"http://justworks.com/blog/what-are-supplemental-health-benefits-and-how-can-they-help-me\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eblog\u003c/a\u003e for more information!\u003c/p\u003e\u003ch3 id=\"h_01M00V1VS4RQTPKW002HNQZGTP\"\u003eCan I enroll in more than one type of benefit?\u003c/h3\u003e\u003cp\u003eYes, you can enroll in more than one of these benefits at the same time.\u003c/p\u003e\u003ch3 id=\"h_01M00V26WXP2T1RHMJRTVSK2VT\"\u003eCan I receive payouts from multiple plans for the same event?\u003c/h3\u003e\u003cp\u003eYes, in most cases. Critical Illness, Accident, and Hospital Indemnity Insurance typically pay separate, fixed cash benefits based on their own rules. If one event triggers more than one policy (for example, a car accident that leads to a hospital stay), you can often receive payments from each plan, subject to their specific limits and exclusions.\u003c/p\u003e\u003ch3 id=\"h_01M00V2H85Q36K8CWXB6JN8M3M\"\u003eAre pre-existing conditions covered?\u003c/h3\u003e\u003cp\u003eCertain pre-existing conditions are not covered. Please review your specific Aflac plan details for more information on exclusions.\u003c/p\u003e\u003ch2 id=\"h_01M00V2VPHSGSQ482JE0Z60H9H\"\u003eCan I choose how much coverage I want?\u003c/h2\u003e\u003cp\u003eYes. Each Supplemental Health Benefit offers multiple coverage options, so you can choose the level of financial protection that best fits your needs and budget.\u003c/p\u003e\u003ch3 id=\"h_01M00V349GX910SVM3D2VGGNNB\"\u003eCritical Illness Insurance:\u003c/h3\u003e\u003cp\u003eChoose a benefit amount of $10,000, $20,000, $30,000, $40,000, or $50,000 if you're diagnosed with a covered serious illness.\u003c/p\u003e\u003ch3 id=\"h_01M00V3BE6YKVBX9BMWMYEMEHQ\"\u003eAccident Insurance:\u003c/h3\u003e\u003cp\u003eChoose between coverage that pays up to $10,000 or up to $15,000 per covered accident. The benefit amount is calculated based on the type of injury, its severity, and the medical services required in treatment and recovery.\u003c/p\u003e\u003ch3 id=\"h_01M00V3XPKK9HZMDTKGZ476G1D\"\u003eHospital Indemnity Insurance:\u003c/h3\u003e\u003cp\u003eChoose between a plan that pays $500 per hospital admission + $125 per night or $1,000 per admission + $225 per night for covered hospital stays.\u003c/p\u003e\u003cp\u003eDuring Open Enrollment, you'll be able to compare your options, review what's covered, and see your personalized premium before making your selections.\u003c/p\u003e\u003ch2 id=\"h_01M00TXV3X4BKZKSZG0TPVNE5F\"\u003eEligibility \u0026amp; Enrollment\u003c/h2\u003e\u003ch3 id=\"h_01M00V5T7HG05V41WQZTGXWENS\"\u003eWho is eligible to enroll? \u003c/h3\u003e\u003cp\u003eBenefits-eligible employees at companies who are offering medical insurance through Justworks’ Large Group Master Policy, excluding New Mexico residents and unpaid owners.\u003c/p\u003e\u003cp\u003eThe following employees are eligible: \u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e6ed6376633aae31e358743f582c314f0\"\u003eFull-Time Employees \u003c/li\u003e\n\u003cli data-list-item-id=\"e755156dbf028640c3bc8d9e6d464f7b5\"\u003ePart-Time Employees (must be working 30+ hours and benefits-eligible)\u003c/li\u003e\n\u003cli data-list-item-id=\"ed2113a591a6d4a53de9fab1942c0d74a\"\u003ePaid Owners\u003cul\u003e\u003cli data-list-item-id=\"e9d44edcc81d9b2a7b7635e810988080c\"\u003eUnpaid Owners \u003cem\u003eare not eligible for this benefit.\u003c/em\u003e\n\u003c/li\u003e\u003c/ul\u003e\n\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e\u003cem\u003eCustomers do not need to take any action to provide this benefit. It will be automatically offered to all employees who meet the eligibility requirements.\u003c/em\u003e\u003c/p\u003e\u003ch3 id=\"h_01M00V60AX9R0QGSYD2GZ6V80G\"\u003eWho can I cover on my plan?\u003c/h3\u003e\u003cp\u003eYou can elect to cover just yourself, or add your spouse and children. Children can stay on the plan until they reach age 26. \u003c/p\u003e\u003ch3 id=\"h_01M00V9C3WMVJMQRKRRZXGW3Z3\"\u003eWhen can I enroll? \u003c/h3\u003e\u003cp\u003eYou can enroll when you are newly eligible as a new hire, during your annual Open Enrollment period, or due to a Qualified Life Event (QLE).\u003c/p\u003e\u003cp\u003eAfter selecting your medical, dental or vision benefits you'll be prompted to sign up for Supplemental Health Benefits if you are eligible.\u003c/p\u003e\u003ch3 id=\"h_01M00V9Q4Z9JMHHHV79T3KPBSY\"\u003eHow do I add dependent(s)? \u003c/h3\u003e\u003cp\u003eTo enroll your dependents in any of your company benefits, you must first add their information during the \u003cstrong\u003ehealth insurance enrollment flow\u003c/strong\u003e.\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cem\u003e\u003cstrong\u003eImportant Notes:\u003c/strong\u003e\u003c/em\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cstrong\u003eMedical Coverage is Optional:\u003c/strong\u003e You are not required to enroll your dependents in your medical coverage. However, you \u003cem\u003emust\u003c/em\u003e add their profiles to the system during this initial step so they appear as selectable options when you enroll in supplemental health benefits later.\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cstrong\u003eCritical Illness Coverage:\u003c/strong\u003e If you add child dependents to your profile, they will be automatically included in your Critical Illness coverage at no extra cost.\u003c/p\u003e\u003ch3 id=\"h_01M00VAV7NXK8JVJSQ11J55Z26\"\u003eDo I have to answer health questions or take a medical exam?\u003c/h3\u003e\u003cp\u003eNo. These plans are initially offered on a guaranteed-issue basis. There is no \"Statement of Health\" required, and there are no waiting periods.\u003c/p\u003e\u003ch3 id=\"h_01M00VB2VX861DJ70ZTC0AZX0A\"\u003eCan I cancel my coverage later?\u003c/h3\u003e\u003cp\u003eYes, you can cancel your policy by contacting Aflac Customer Service at 800-433-3036. However, please be aware that if you cancel, you can only re-elect coverage during Open Enrollment or if you experience a QLE.\u003c/p\u003e\u003ch2 id=\"h_01M00TXV42FE0GQKXY20F250Z4\"\u003eCosts \u0026amp; Payment\u003c/h2\u003e\u003ch3 id=\"h_01M00VBEKEHS1DZBNNRT53TER9\"\u003eWho pays for these benefits, and how much are they?\u003c/h3\u003e\u003cp\u003eThese are employee-paid benefits. Premiums vary based on the benefits you choose, your coverage level, and who you're covering. Some plans start at just a few dollars per paycheck, and you'll be able to view your exact cost in Justworks during Open Enrollment before you enroll.\u003c/p\u003e\u003cp\u003eThese benefits also include annual wellness rewards for eligible preventive exams you likely would’ve completed anyways, which can help offset some—or even more than—the cost of your premiums.\u003c/p\u003e\u003ch3 id=\"h_01M00VBN5AR5CZ78S5M8AGH0TZ\"\u003eHow do I pay my premiums?\u003c/h3\u003e\u003cp\u003ePremiums are paid through convenient payroll deductions.\u003c/p\u003e\u003ch3 id=\"h_01M00VBVX1CV0QS0GR0M16KV6V\"\u003eAre my premiums and payouts taxed?\u003c/h3\u003e\u003cp\u003ePremiums are currently set as post-tax. Because of this, the benefit money paid out to you for a claim is completely tax-free.\u003c/p\u003e\u003ch2 id=\"h_01M00TXV434PMCDBRTSBSA01FW\"\u003eFiling Claims \u0026amp; Using Your Benefits\u003c/h2\u003e\u003ch3 id=\"h_01M00VC4W12496X1ZG060SJPCF\"\u003eHow do these benefits work when I need them? \u003c/h3\u003e\u003cp\u003eIf you experience a covered injury, illness, or hospital stay, you contact Aflac to file a claim. Once approved, the benefit is paid directly to you, and you can use the money however you’d like.\u003c/p\u003e\u003ch3 id=\"h_01M00VCC4B89FWCZZGSM4A20C1\"\u003eDo I have to use the money for medical bills?\u003c/h3\u003e\u003cp\u003eNo. You can use the funds however you choose—whether that means paying for rent, groceries, childcare, or simply replacing lost earnings from being out of work while you recover. \u003c/p\u003e\u003ch3 id=\"h_01M00VCSQP7FJABHNZMVJFK10P\"\u003eWhat is the wellness incentive reward program?\u003c/h3\u003e\u003cp\u003eAflac pays you cash benefits just for staying on top of your health by getting eligible yearly checkups (like physicals, dental exams, and eye exams). Critical Illness and Accident plans pay $75 per covered family member each year, and Hospital Indemnity pays $50, offsetting some—or even more than—the cost of your premiums.\u003c/p\u003e\u003cp\u003eIf you hold multiple policies, Aflac has streamlined the process: filing a single wellness claim will automatically pay out benefits from all eligible plans you are enrolled in.\u003c/p\u003e\u003ch3 id=\"h_01M00VCNP1XREJBHJM39SVACYZ\"\u003eHow do I file a claim?\u003c/h3\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ecbe9c82f6b562149cc0bcbe5fd519504\"\u003e\n\u003cstrong\u003eOnline:\u003c/strong\u003e Submit your claim by logging into your \u003ca href=\"https://mylogin.aflac.com/\"\u003eAflac account\u003c/a\u003e.\u003c/li\u003e\n\u003cli data-list-item-id=\"ea87da779cb29b29b00fbde63b1481d38\"\u003e\n\u003cstrong\u003eEmail:\u003c/strong\u003e Scan and email your \u003ca href=\"https://www.aflacenrollment.com/Justworks/64617361145705\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eclaim form\u003c/a\u003e to groupclaimfiling@aflac.com.\u003c/li\u003e\n\u003cli data-list-item-id=\"ebbd24cd1178bf4e14b08837dc0825697\"\u003e\n\u003cstrong\u003eFax:\u003c/strong\u003e 866-849-2970.\u003c/li\u003e\n\u003cli data-list-item-id=\"ec3a94022e5f01d60f686ca9f7b7a03ab\"\u003e\n\u003cstrong\u003eMail:\u003c/strong\u003e Post Office Box 84075, Columbus, Georgia 31993.\u003c/li\u003e\n\u003c/ul\u003e\u003ch3 id=\"h_01M00VD8H5TWHCP5ZVHP9H3299\"\u003eHow do I receive my money?\u003c/h3\u003e\u003cp\u003eThe fastest way to get paid is via direct deposit. Log in at\u003ca href=\"https://www.aflac.com/myaflac\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e aflac.com/myaflac\u003c/a\u003e, go to \u003cstrong\u003eMy Account\u003c/strong\u003e \u0026gt; \u003cstrong\u003eManage Account\u003c/strong\u003e \u0026gt; \u003cstrong\u003eBilling and Direct Deposit\u003c/strong\u003e, and enter your banking information.\u003c/p\u003e\u003ch2 id=\"h_01M00TXV47KYHA0WAMZTF31DXD\"\u003eLeaving Your Employer\u003c/h2\u003e\u003ch3 id=\"h_01M00VEFM6SB30K11V50K6W5XQ\"\u003eWhat happens to my coverage if I leave my job or retire?\u003c/h3\u003e\u003cp\u003eYour coverage is fully portable. \u003c/p\u003e\u003ch3 id=\"h_01M00VE6Y197ACBM0NEE41BCD8\"\u003eHow do I take my coverage with me?\u003c/h3\u003e\u003cp\u003eTo take your coverage with you after leaving your employer, complete the \u003ca href=\"https://learn.aflac.com/justworks?back=\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eContinuation of Coverage Form\u003c/a\u003e and submit it within 31 days of your termination date.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"for these \u003cem\u003ebenefits\u003c/em\u003e, and how much are they? These are employee-paid \u003cem\u003ebenefits\u003c/em\u003e. Premiums vary based on the \u003cem\u003ebenefits\u003c/em\u003e you choose","result_type":"article"},{"id":360027394992,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360027394992.json","html_url":"https://help.justworks.com/hc/en-us/articles/360027394992-Company-Benefits-Overview","author_id":367245343471,"comments_disabled":true,"draft":false,"promoted":false,"position":19,"vote_sum":-2,"vote_count":20,"section_id":32936356692379,"created_at":"2019-04-26T19:36:10Z","updated_at":"2026-07-07T17:23:37Z","name":"Company Benefits Overview","title":"Company Benefits Overview","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-07T17:23:37Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180372483611\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE1AGSWGWWS2X5344Z433YJ5\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat is a Benefits Overview?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe Benefits Overview tool will allow you to share your company’s benefits offerings with a prospective hire. The tool will present group health plans, pricing, and basic explanations of the benefits you offer to help candidates make the decision to work for your company.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can view how much your company and employees pay currently, by accessing the Plan History under the Benefits tab under HR on the navigation panel. You can also access it in the Benefits Overview section. If you want to see the amount you've contributed so far, you can \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/12377306911259-Custom-Payroll-Report#h_01JFWGBAXNF1JZW296NMWTBJA6\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ecreate a custom payroll report.\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE1AGSWG6C81VTWVKM4TS6KJ\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow do I use it?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eGo to your Company Benefits Center under \u003cstrong\u003eBenefits\u003c/strong\u003e and click on “Benefits overview.” You can generate a custom Benefits Overview that is segmented by benefits class, inclusive of active or upcoming health coverage, and shows insurance plans specific to the candidate’s location. From there, you can preview the page and copy the link to share with prospective hires. \u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1442/1384;\" src=\"https://help.justworks.com/hc/article_attachments/43285558583195\" alt=\"Benefits overview tab (1).jpg\" width=\"1442\" height=\"1384\"\u003e\u003cfigcaption\u003e\u003cspan style=\"color: hsl(0,0%,50%);\"\u003eScreenshot of the Benefits Overview page\u003c/span\u003e\u003c/figcaption\u003e\u003c/figure\u003e\u003ch2 id=\"h_01HE1AGSWGGY6DVBBNDPB664ZK\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWill the overview get updated if I make changes to my benefits offering?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYes! The overview \u003c/span\u003ewill\u003cspan style=\"font-weight: 400;\"\u003e automatically be updated to reflect changes to your benefits offering under the same url.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: #1c1d1f;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt can even show upcoming benefits if you choose. For example, after the Plan Selection window closes and you've selected coverage for your team, an overview for the \u003c/span\u003e\u003cem\u003e\u003cspan style=\"font-weight: 400;\"\u003enew plan year\u003c/span\u003e\u003c/em\u003e\u003cspan style=\"font-weight: 400;\"\u003e will be able to be generated before the effective date. \u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HE1AGSWG8RQBP1X4D52Y55E0\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDistributing the overview:\u003c/span\u003e\u003c/h2\u003e\u003ch3 id=\"h_01HE1AGSWGPHNRW0772SS62BV2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAs a link\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe overview can be sent as a link that the prospective hire can use to view the overview. \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003eClick the \u003c/span\u003e\u003cem\u003e\u003cspan style=\"font-weight: 400;\"\u003eCopy Link\u003c/span\u003e\u003c/em\u003e\u003cspan style=\"font-weight: 400;\"\u003e button to copy the link to the overview.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 226/145;\" src=\"https://help.justworks.com/hc/article_attachments/43285558587419\" width=\"226\" height=\"145\"\u003e\u003cfigcaption\u003e\u003cspan style=\"color: hsl(0,0%,50%);\"\u003eImage of \"Copy link\" button\u003c/span\u003e\u003c/figcaption\u003e\u003c/figure\u003e\u003ch3 id=\"h_01HE1AGSWGRYXQ6ZSQMVTA6W2W\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eAs a printout\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAlthough the overview is best viewed as a .pdf or in a browser, you can also print for distribution. To open the overview, click the share icon (square with arrow symbol). This will open the overview and you can then proceed to print.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003ePlease note, the overview will print best if printed using Google Chrome.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"your Company \u003cem\u003eBenefits\u003c/em\u003e Center under \u003cem\u003eBenefits\u003c/em\u003e and click on “\u003cem\u003eBenefits\u003c/em\u003e overview.” You can generate a custom \u003cem\u003eBenefits\u003c/em\u003e Overview that","result_type":"article"},{"id":50412560129563,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/50412560129563.json","html_url":"https://help.justworks.com/hc/en-us/articles/50412560129563-How-to-Enroll-in-Benefits-Canada","author_id":1902289820004,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936579949339,"created_at":"2026-05-15T12:56:18Z","updated_at":"2026-07-28T20:11:17Z","name":"How to Enroll in Benefits (Canada)","title":"How to Enroll in Benefits (Canada)","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-28T20:11:17Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01K8XJHHMECWSPQMR28ZQW4233","01K8XNKJ10ECCK83R191T0DA4H"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/50412650462491\" alt=\"Employee - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003eIf you’re eligible for benefits through Justworks in Canada, you’ll submit your enrollment directly in Justworks during your open enrollment window. During enrollment, you can review your personal information, add dependents, select or decline coverage, and submit your elections for processing with Sun Life. This guide walks you through each step of the process and explains what to expect after you submit your enrollment.\u003c/p\u003e\u003cp\u003e\u003cem\u003e\u003cstrong\u003eBefore you begin: \u003c/strong\u003eYou’ll receive an email from Justworks when your open enrollment window opens. Use the link in that email to access your Benefits Center and start your enrollment.\u003c/em\u003e\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DYPFB48HYF9PCCPJDNQ\"\u003eStep 1: Start your enrollment\u003c/h2\u003e\u003cp\u003eWhen your open enrollment window opens, you’ll receive an email from Justworks. Click the link in the email to go to your Benefits Center and begin the enrollment flow.\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DYP4AVT7ZSKXTZCRRJH\"\u003eStep 2: Confirm your personal details\u003c/h2\u003e\u003cp\u003eReview the personal information on file, including your:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ed18e0a3f3a9e00192395a69ae1350af1\"\u003eFull name\u003c/li\u003e\n\u003cli data-list-item-id=\"eadb33e0a254ef90f4f2dba6e0d81fb1b\"\u003eDate of birth\u003c/li\u003e\n\u003cli data-list-item-id=\"eaf0773d4cb9d4b1284ab6a55e25fb55b\"\u003eDate of hire\u003c/li\u003e\n\u003cli data-list-item-id=\"ec4a5e000775ef711ad624499a79a0846\"\u003eEmail address\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThese fields are read-only on this screen.\u003c/p\u003e\u003cdiv\u003e\n\u003ch3 id=\"h_01KRPJWNB9E997AMKM1ST1812G\"\u003eNeed to update your details?\u003c/h3\u003e\n\u003cp\u003eGo to your profile in Justworks to make changes. Updates made there will be reflected going forward.\u003c/p\u003e\n\u003c/div\u003e\u003ch2 id=\"h_01KRNV6DYS74G2R8PRVTW67MRB\"\u003eStep 3: Add or update your dependents\u003c/h2\u003e\u003cp\u003eAdd any dependents — such as a spouse or children — you’d like to include under your coverage. For each dependent, you’ll need to provide:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ec04387356e9a8b6dfb1b92e242edbd65\"\u003eFull name\u003c/li\u003e\n\u003cli data-list-item-id=\"ec9bd4f9ab8fe4f1b5f22243e9af8d2d6\"\u003eSex\u003c/li\u003e\n\u003cli data-list-item-id=\"e2dba46e2164502bf45c528ce517f4ff6\"\u003eDate of birth\u003c/li\u003e\n\u003cli data-list-item-id=\"e2a3581f03a87a961249a3997a43d61ff\"\u003eRelationship to you (e.g. spouse, child)\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eDependents added here will be available to select when you choose your coverage in the next step.\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DYT7T8DFG1T0JVQWH9M\"\u003eStep 4: Select your coverage\u003c/h2\u003e\u003cp\u003eYou’ll see the employer-provided plans available to you, including coverage details, employer contributions, and a full cost breakdown. Review each plan carefully before making your selections.\u003c/p\u003e\u003cp\u003eA few things to keep in mind:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e7f69488dce32d93e9511756d01f1b961\"\u003eHealth and dental insurance: To enroll in health or dental coverage, you must also enroll in all other available insurance plans. You cannot select individual plans in isolation.\u003c/li\u003e\n\u003cli data-list-item-id=\"ede1035274e0935df82b0537f14e46ff1\"\u003ePlan details: Click the PDF icon next to “Plan details” to download a summary of any plan.\u003c/li\u003e\n\u003cli data-list-item-id=\"ebee906301df1485c7b6a30c9cb358dfd\"\u003eDeclining coverage: You can formally decline during this step. Taking no action does not count as declining — you must actively decline in-app. A Refusal of Benefits Form will be emailed to you after you submit your declination.\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KRNV6DYXHZFHMS782WKJAEM2\"\u003eStep 5: Review and submit\u003c/h2\u003e\u003cp\u003eThe Review Your Selections page gives you a full summary of your choices before you finalize. You can go back to make changes at any point. When everything looks correct, submit your enrollment.\u003c/p\u003e\u003cdiv\u003e\n\u003ch3 id=\"h_01KRPHP83K0MC95GYY0J9935K3\"\u003eChanges after submitting\u003c/h3\u003e\n\u003cp\u003eOnce submitted, changes cannot be made through the Justworks platform. If you need a correction, contact \u003ca href=\"mailto:international-support@justworks.com\"\u003einternational-support@justworks.com\u003c/a\u003e right away — adjustments may still be possible before your enrollment is finalized with Sun Life.\u003c/p\u003e\n\u003c/div\u003e\u003ch2 id=\"h_01KRNV6DYZKWZQE10M4A7BATT4\"\u003eStep 6: Sign the Sun Life enrollment form\u003c/h2\u003e\u003cp\u003eAfter submitting, you’ll receive a pre-filled Sun Life enrollment form by email. The subject line will read:\u003c/p\u003e\u003cdiv\u003e\u003cp\u003e\u003cem\u003e2026_CAN_INTLBENENROLL – Signature requested by Justworks\u003c/em\u003e\u003c/p\u003e\u003c/div\u003e\u003cp\u003eReview your member and dependent details, add your beneficiary information, and sign the form. You’ll receive a confirmation email once it’s been signed.\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DZ11A21DPGJJEMMKF14\"\u003eWhat happens next?\u003c/h2\u003e\u003cp\u003eOnce you’ve signed the Sun Life form, the Justworks team will complete your enrollment directly with Sun Life. You’ll then receive a follow-up email with your member ID and instructions for logging in to your Sun Life portal.\u003c/p\u003e\u003cp\u003eYour coverage effective date is the date your enrollment is processed with Sun Life. This will be confirmed in your Sun Life welcome email.\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DZ23SJST1QD5N4372SC\"\u003eFrequently asked questions\u003c/h2\u003e\u003ch3 id=\"h_01KRNV6DZ2V8JE28GQHXPRRK2P\"\u003eWhen does my coverage start after I enroll?\u003c/h3\u003e\u003cp\u003eYour coverage effective date is the date your enrollment is processed with Sun Life. Your exact start date will be confirmed in your Sun Life welcome email.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ39NDN85HBAMTE219W\"\u003eWhat happens if I miss my open enrollment window?\u003c/h3\u003e\u003cp\u003eIf you miss your open enrollment window, you won’t be able to make changes unless you experience a qualifying life event (such as marriage, the birth of a child, or loss of other coverage). Contact \u003ca href=\"mailto:international-support@justworks.com\"\u003einternational-support@justworks.com\u003c/a\u003e as soon as possible if you believe you’ve missed your window.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ5EDKY52FJK0H0B54A\"\u003eCan I change my selections after submitting?\u003c/h3\u003e\u003cp\u003eOnce submitted, changes cannot be made through the Justworks platform. If you need a correction, email \u003ca href=\"mailto:international-support@justworks.com\"\u003einternational-support@justworks.com\u003c/a\u003e right away — changes may still be possible before your enrollment is finalized with Sun Life.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ5RTX4QXRF8Z4DEPDC\"\u003eWhat if I need to add a dependent after enrollment closes?\u003c/h3\u003e\u003cp\u003eYou may be able to add a dependent outside of open enrollment if you experience a qualifying life event, such as the birth or adoption of a child or a change in marital status. Contact \u003ca href=\"mailto:international-support@justworks.com\"\u003einternational-support@justworks.com\u003c/a\u003e to request those changes.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ6B506NKDBC113RNC8\"\u003eHow do I update my personal details if they’re incorrect?\u003c/h3\u003e\u003cp\u003eYour personal details on the enrollment screen are read-only and pulled from your profile. To update them, go to your profile in Justworks. Changes made there will be reflected going forward.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ6KVCZMNP68GNHG1AJ\"\u003eCan I enroll in dental without enrolling in health coverage (or vice versa)?\u003c/h3\u003e\u003cp\u003eNo. To enroll in health or dental insurance, you must enroll in all available insurance plans. You cannot select individual plans in isolation.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ7YQ03CFY067T0YAR2\"\u003eWhat happens if I don’t take any action during open enrollment?\u003c/h3\u003e\u003cp\u003eTaking no action does not count as declining coverage. You must actively decline in-app during the plan selection step. Make sure to complete the process — whether enrolling or declining — before your window closes.\u003c/p\u003e\u003ch3 id=\"h_01KRNV6DZ7W0V46SQJCA89CAMB\"\u003eWhere do I find the Refusal of Benefits Form?\u003c/h3\u003e\u003cp\u003eThe Refusal of Benefits Form will be emailed to you after you submit your declination in Justworks.\u003c/p\u003e\u003ch2 id=\"h_01KRNV6DZ7T4JVNZQF577VRW6A\"\u003eStill have questions?\u003c/h2\u003e\u003cp\u003eContact our international support team at \u003ca href=\"mailto:international-support@justworks.com\"\u003einternational-support@justworks.com\u003c/a\u003e.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"window closes. Where do I find the Refusal of \u003cem\u003eBenefits\u003c/em\u003e Form? The Refusal of \u003cem\u003eBenefits\u003c/em\u003e Form will be emailed to you after you submit","result_type":"article"},{"id":360004529451,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004529451.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004529451-New-York-Paid-Family-Leave-and-Disability-Benefits-Leave","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":9,"vote_sum":28,"vote_count":64,"section_id":32936397241883,"created_at":"2018-06-04T22:10:19Z","updated_at":"2026-03-27T18:40:23Z","name":"New York Paid Family Leave and Disability Benefits Leave","title":"New York Paid Family Leave and Disability Benefits Leave","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-03-27T18:40:23Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0FK4RFST766MFV1Q607VYBP","01KJDVX05VQGSECBKSDP0S2599"],"label_names":["PFL","Paid Family Leave","NY","NY PFL","NYFPL","New York"],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180374198299\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe src=\"https://player.vimeo.com/video/1089071607?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"11.D.ii. New York Paid Family Leave for Small Business Employers\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"width: 100%;\"\u003e\u003ctable class=\"wysiwyg-table-resized\" style=\"border-collapse: collapse;\"\u003e\n\u003ccolgroup\u003e\n\u003ccol style=\"width: 15.41%;\"\u003e\n\u003ccol style=\"width: 42.21%;\"\u003e\n\u003ccol style=\"width: 42.38%;\"\u003e\n\u003c/colgroup\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e \u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e\u003cstrong\u003eNY Disability Benefits Law (NY DBL)\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e\u003cstrong\u003e NY Paid Family Leave (NY PFL)\u003c/strong\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e Description\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e\n\u003cp\u003e Leave is due to one’s own disability. \u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003e Examples include: a non-work-related injury or illness, or during pregnancy and/or childbirth for the birthing parent.\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e\n\u003cp\u003e Leave is intended to be used to care for others. \u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003e Examples include: bonding with a new child, caring for an ill family member, or for a qualifying emergency related to a family member’s military duty or call to   active duty.\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e Eligibility\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e1a49e7ba1df995ff6461c46e78e7fd04\"\u003eFull-time employees after working 4 consecutive work weeks\u003c/li\u003e\n\u003cli data-list-item-id=\"e41da6c71e53c61b3390bfdce5c3a6184\"\u003ePart-time employees after working 25 days in a calendar year\u003c/li\u003e\n\u003cli data-list-item-id=\"e1cc10b75d6069ca0d32303a2f2c01202\"\u003eOwners\u003c/li\u003e\n\u003cli class=\"ck-list-marker-italic\" data-list-item-id=\"e9d8259ae12125e85d31559e07942d51e\"\u003e\u003cem\u003eNYDBL eligibility transfers when entering new employment\u003c/em\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ee3f29eba53f905517743c987841e0ebf\"\u003eFull-time employees after working 26 weeks for same employer\u003c/li\u003e\n\u003cli data-list-item-id=\"e2081e3285e8c3c8ca8e9bbe1d7f0c7b5\"\u003ePart-time employees after working 175 days for the same employer\u003c/li\u003e\n\u003cli class=\"ck-list-marker-italic\" data-list-item-id=\"e61b8e806693991d3979e401381750dae\"\u003e\u003cem\u003eNYPFL eligibility does \u003cstrong\u003eNOT\u003c/strong\u003e transfer when entering new employment, it resets. \u003c/em\u003e\u003c/li\u003e\n\u003c/ul\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e Premiums\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e 100% employer-paid premium: \u003cstrong\u003e$3.47 per eligible employee per month\u003c/strong\u003e\n\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e 100% employee-paid premium: \u003cstrong\u003e0.432% of gross weekly wages\u003c/strong\u003e, capped at an \u003cstrong\u003eannual maximum of\u003c/strong\u003e \u003cstrong\u003e$411.91\u003c/strong\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e Benefit   Payout   Amount\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e 50% of NYS Average Weekly Wage up to with \u003cstrong\u003e$170 maximum weekly benefit\u003c/strong\u003e\n\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e 67% of NYS Average Weekly Wage, up to a \u003cstrong\u003e$1,228.53 maximum weekly benefit\u003c/strong\u003e\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003eMaximum Duration\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"text-align: center; width: 43.0477%;\"\u003e 26 weeks\u003c/td\u003e\n\u003ctd style=\"text-align: center; width: 42.4762%;\"\u003e 12 weeks\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e Payments   Start\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e\n\u003cp\u003e 8th consecutive day of disability \u003c/p\u003e\n\u003cul\u003e\n\u003cli data-list-item-id=\"e23249d2b4eeb386a21cf9602a24b449d\"\u003eThere is a 7-day waiting period where no benefits are paid. Benefits begin on the eighth consecutive day of disability\u003c/li\u003e\n\u003cli data-list-item-id=\"ec3732fa7e4da30948aff879f71d934c0\"\u003eIf an employee has been disabled more than seven days, the employer must provide them with a Statement of Rights under the Disability Benefits Law (\u003ca href=\"https://www.wcb.ny.gov/content/main/forms/db271s.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eForm DB-271S\u003c/a\u003e) within five days of learning that they are disabled (WCL §229[2]).\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e 1st day of qualified paid leave event\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"width: 14.476%;\"\u003e\u003cstrong\u003e State   Resources\u003c/strong\u003e\u003c/td\u003e\n\u003ctd style=\"width: 43.0477%;\"\u003e\u003ca href=\"http://www.wcb.ny.gov/content/main/DisabilityBenefits/employer-disability-benefits.jsp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eNY DBL Overview\u003c/a\u003e\u003c/td\u003e\n\u003ctd style=\"width: 42.4762%;\"\u003e\u003ca href=\"http://www.wcb.ny.gov/content/main/DisabilityBenefits/employer-disability-benefits.jsp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eNY PFL Overview\u003c/a\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/figure\u003e\u003ch2 id=\"h_01HF58W9V3AZ6G2G0Z8PN3YG89\"\u003eCan an employee take NY Paid Family Leave and NY Disability Benefits together?\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eNew York Disability Benefits and New York Paid Family Leave benefits cannot be claimed at the same time. They can, however, be taken consecutively.  Combined, NYDBL and NYPFL must not amount to more than the 26-week benefit max during any 52 consecutive calendar weeks.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HF58W9V3PQR80MTQT3XCXTA8\"\u003eNY PFL, NY DBL and Other Types of Leave\u003c/h2\u003e\u003cp\u003eEmployees may also have access to additional payments during leave under company leave of absence policies, and/or other paid or unpaid leave benefits related to different reasons for leave. These include Short-Term Disability (STD) and the Family and Medical Leave Act (FMLA).\u003c/p\u003e\u003cp\u003eIf employees are using a company leave policy in addition to state benefits like NY PFL or NY DBL, they may choose to utilize any banked vacation or PTO to receive additional pay during any unpaid or partially-paid portion of their leave (though employers cannot require them to do so). However, employees cannot use NY PFL or NY DBL while receiving workers’ compensation benefits if they are not working.\u003c/p\u003e\u003ch3 id=\"h_01K22E60EHCDZWH9V2J986M51M\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eShort-Term Disability (STD)\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/20429939273883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eShort-Term Disability\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"background-color: #ffffff;\"\u003e is a private insurance policy that provides partial wage replacement for eligible, enrolled employees who are unable to work due to injury or illness, up to a maximum benefit amount. NY PFL cannot be taken concurrently with STD, though employees may be eligible to use them consecutively. \u003c/span\u003e\u003cspan style=\"background-color: #F5D5D8;\"\u003e\u003cstrong\u003eHowever, NY DBL can run concurrently with STD, and is typically taken before NY PFL if an employee is eligible for both during the same leave. It’s important to note that if STD and NY DBL are utilized concurrently, the STD benefit amount will be reduced by the amount issued by NY DBL.\u003c/strong\u003e \u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K22E5R5DESS4TTHNYQQEB14G\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eFamily and Medical Leave Act (FMLA)\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eFMLA is a United States labor law that provides job-protected, unpaid leave for employees for qualified medical and family reasons. If an employee has an event that qualifies for leave under both FMLA and Paid Family Leave, and the employer is covered under both laws, the employer can require them to run concurrently. In order for the two types of leaves to run together, the employer must notify the employee that the leave qualifies for both FMLA and Paid Family Leave, and that it will be designated as such. While employers cannot require employees to use paid time off while on NYPFL, employers can compel an employee to use paid time off while on FMLA. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HF58W9V3ECPA7VB6VVKK243R\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eHow are taxes impacted if an employee files a claim for NY PFL or NY DBL?\u003c/span\u003e\u003c/h2\u003e\u003ch3 id=\"h_01K22E5ADF43XMFC9Y9NV00BNK\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eNew York Paid Family Leave\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eEmployees would receive the benefit payout without taxes withheld, which needs to be reported on a Form 1099-Misc as taxable, non-wage income. Employees will receive the Form 1099 from MetLife, which they would include when they file their personal income tax returns. The NY PFL benefit earnings will be subject to federal taxes. Paid Family Leave benefits are not subject to employee or employer NY state income taxes, \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004527471-How-Taxes-are-Processed\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFICA, FUTA or SUTA\u003c/a\u003e\u003cspan style=\"background-color: #ffffff;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01K22E5KNFDN9X8T8ZEG8914ST\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eNew York Disability Benefits Law \u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eEmployees would receive the benefit payout pre-tax, which will be reported on a Form W-2 as taxable, non-wage income. Justworks will provide the Forms W-2 and this will be available in their Justworks profile under Documents \u0026gt; Tax Documents. Employees would include this when they file their personal income tax returns. The earnings will be subject to Federal (FICA) taxes and State Income taxes.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HF59FMQKDPG52BFK2V2JH7Q9\"\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eFiling a claim\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eJustworks uses MetLife to administer NY PFL and NY DBL benefits. If an eligible employee wishes to make a claim, there are three ways in which they can do so:\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003e1. Online\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003e2. Via phone\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003e3. Via fax or mail\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eNote: New York State requires a paper version of the NY PFL claim forms. If an employee files their claim online, they must also submit their completed paper version of the same claim forms to MetLife.  If an employee files online first, MetLife will reach out to them to have them submit their paper claim.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eFor more information on these options, visit: \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360059711331-How-To-File-a-Claim-for-MetLife-Benefits-with-Justworks\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eHow To File a Claim for MetLife Benefits with Justworks\u003c/a\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"and NY Disability \u003cem\u003eBenefits\u003c/em\u003e together? New York Disability \u003cem\u003eBenefits\u003c/em\u003e and New York Paid Family Leave \u003cem\u003ebenefits\u003c/em\u003e cannot be claimed","result_type":"article"},{"id":360040496551,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360040496551.json","html_url":"https://help.justworks.com/hc/en-us/articles/360040496551-Company-Benefits-Plan-Selection","author_id":366940038852,"comments_disabled":true,"draft":false,"promoted":false,"position":16,"vote_sum":-1,"vote_count":47,"section_id":32936387772955,"created_at":"2020-03-04T16:27:11Z","updated_at":"2026-07-29T20:08:12Z","name":"Company Benefits Plan Selection","title":"Company Benefits Plan Selection","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-29T20:08:12Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV","01JXJK3CA95EBABX8PM4ZSHQ24","01K0VZPHJDRWKF3AFP05F97VM8","01KJDVX05VQGSECBKSDP0S2599"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180372077851\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe src=\"https://player.vimeo.com/video/980779188?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"How to Choose Your Plans \u0026amp; Set up Contributions\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8266VS8CSC7GQFYHQC77M6R\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOverview \u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eWhile selecting health insurance plans to provide to your team on Justworks, we would like to give you the opportunity to choose the plans that are going to be most suitable for your team. Through our plan selection flow, you’ll be able to hand-pick a customized group of plans within a range that ensure your team is supported from every angle.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8266VS854NQRK1H5ZQW36T1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePlan Selection Process\u003c/span\u003e\u003c/h2\u003e\u003ch3 id=\"h_01J47227S2SWWSZT1KYQAM4P9N\"\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eGetting Started \u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eWith all the options and plan combination possibilities, we’ve made it easy to narrow down which plans are right for your company and team’s specific needs. While there are some requirements involved when selecting plans, we’ve made it easy to satisfy them and see how you’re doing it along the way.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eWe’ll also make sure you never miss a deadline by highlighting key dates to keep in mind.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1183/732;\" src=\"https://help.justworks.com/hc/article_attachments/51422868146459\" alt=\"Getting Started Visual Example\" width=\"1183\" height=\"732\"\u003e\u003cfigcaption\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: #666666;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eGetting Started Visual Example\u003c/span\u003e\u003c/span\u003e\u003c/figcaption\u003e\u003c/figure\u003e\u003ch2 id=\"01H8266VS8JF7FF724V4MP6ZY5\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFilters\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eFilters will be available to help you narrow down which Large Group plans to consider based on business needs. You can use one at a time or all at once.\u003c/span\u003e\u003c/p\u003e\u003col\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"e7dcdbace845fa0315fe5be56fdf1eda8\"\u003e\n\u003cstrong\u003eMonthly Premiums\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e - Use this filter to set a range for the full monthly premium cost. The tool will filter out plans based on the cost of the employee-only premium. Premium amounts for all dependent tiers are available on each plan card.\u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"eaa144b4d1758adb35dc5845665e81f49\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cstrong\u003eDeductible\u003c/strong\u003e - Use this filter to set a range for the plan deductible. The tool will filter out plans based on the deductible of the employee-only tier.\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"ed76d0b25848c5aff49451f07eb2d3706\"\u003e\n\u003cstrong\u003eNetwork Type\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e - \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004530531-Health-Insurance-Glossary\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ePPO, POS, EPO, HMO\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e. Each plan has a type of network that \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003erestricts your provider choices or encourages you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. \u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"e5c8c2f5b8d00df5d9e709f0c7db177e6\"\u003e\n\u003cstrong\u003eProvider\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e - If available, you can filter by which health insurance carrier you’d like to view plans from.\u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" data-list-item-id=\"e86e3aab0ceae36f1d3381555ac250805\"\u003e\n\u003cstrong\u003eHSA Compatible Plan\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e - HSA compatible plans, also known as High Deductible Health Plans, \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003ecover preventive care before the deductible–the ACA requires this of all plans–but under an HDHP, no other benefits are provided until the insured has met the deductible. That means HDHPs cannot have copays for office visits or prescriptions prior to the deductible being met. Use this filter to view plans that have this compatibility. \u003c/span\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\u003ch2 id=\"01H8266VS8ZNXGMM5V2Y6QV1ED\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePlan Relativity \u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eWhen going through and selecting plans, you may notice that some plans note they are incompatible with other plans. This is based on relativity rules, where plans that are too different from each other in terms of premium pricing and coverage cannot be offered alongside each other. If you select Plan X, which is incompatible with Plan Y, you’ll be restricted from selecting this as part of your offering, and a pop-up will explain why.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1183/1138;\" src=\"https://help.justworks.com/hc/article_attachments/51422868158491\" alt=\"PEO Visual Example of Incompatible Plan \" width=\"1183\" height=\"1138\"\u003e\u003cfigcaption\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: #666666;\"\u003ePEO Visual Example of Incompatible Plan \u003c/span\u003e\u003c/figcaption\u003e\u003c/figure\u003e\u003ch2 id=\"01H8266VS8APHY2X3WXSKHCBVG\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSetting Contributions\u003c/span\u003e\u003c/h2\u003e\u003cp\u003eWhen setting your employer contributions for medical and dental plans, you must contribute at least 50% of the cost of the cheapest plan on the employee-only tier for the region in which your company is sitused.\u003c/p\u003e\u003cp\u003eTo easily identify this amount, we’ve pre-calculated it for you at the top of the contribution flow page.\u003c/p\u003e\u003cp\u003eYou can also contribute more than the minimum, and we encourage you to review how these contributions may apply to other regions your employees live in.\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou'll be able to learn more about setting contributions \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360012347512-Custom-Contributions\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1179/1441;\" src=\"https://help.justworks.com/hc/article_attachments/51422883832859\" alt=\"Setting Contributions Visual Example \" width=\"1179\" height=\"1441\"\u003e\u003cfigcaption\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: #666666;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSetting Contributions Visual Example \u003c/span\u003e\u003c/span\u003e\u003c/figcaption\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eOnce you’ve completed the process of determining medical premium contributions for your team, don’t forget to submit! You will be redirected back to the enrollment dashboard after submitting, where you can move on to dental and vision plan selections and contributions.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8266VS82M8Q48MS8WQFPN0S\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eRenewals Plan Selection \u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eRenewals plan selection will be very similar to the process your company went through when initially onboarding onto Justworks’ plans.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01K1BK8SXAFH2Q0PPHT956DEVE\"\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eSunset Plans\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eDuring renewals you may notice that a current plan your company offers is not available. This is because that plan has been sunset.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eA sunset plan refers to plans Justworks will not be offering in the coming plan year’. As part of our regular plan review process, some medical plans will no longer be offered for the upcoming renewal. These changes are made periodically to ensure the plan lineup continues to meet evolving needs and priorities.\"\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003eWhen a company’s plans roll over during renewals, if any plans currently offered by the company are no longer available for the new plan year, we will automatically renew the most similar (comparable) plan if the company is not already offering it.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"ACA requires this of all plans–but under an HDHP, no other \u003cem\u003ebenefits\u003c/em\u003e are provided until the insured has met the deductible. That","result_type":"article"},{"id":360004470272,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004470272.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004470272-Justworks-Medical-Dental-and-Vision-Benefits","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":40,"vote_sum":-1,"vote_count":71,"section_id":32936387772955,"created_at":"2018-06-04T17:06:01Z","updated_at":"2026-09-04T17:15:01Z","name":"Justworks Medical, Dental, and Vision Benefits","title":"Justworks Medical, Dental, and Vision Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-04T17:15:01Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV","01K0VZPHJDRWKF3AFP05F97VM8"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180373740827\" alt=\"Employer - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01HDKSZP2K3TNAKW39QK38DC1G\"\u003eJustworks offers group medical, dental, and vision coverage\u003c/h2\u003e\u003cp\u003e\u003ca href=\"https://justworks.com/features/benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eJustworks offers access to group medical, dental, and vision\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e insurance from national carriers such as Aetna, United Healthcare, Kaiser Permanente, and MetLife. These carriers offer dozens of plans that can be tailored to meet your company's needs.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HDKSZP2K5CQVTTWDYF6C78HF\"\u003eEmail our team to get access to health insurance\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmail your Customer Success Manager or support@justworks.com and our team will detail what your options are and how quickly we can get your team covered. Please keep in mind, however, that there are minimum U.S.-based employee participation requirements that must be met in order to be eligible to offer health insurance through Justworks.  \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HDKSZP2KCWEJXQQMTE9C0MXZ\"\u003ePay full or partial premiums for employee benefits\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYour company can cover 100% of the premiums, or your U.S.-based employees can pay a portion of their premiums. Please note, it's required that employers cover at least 50% of the least expensive plans offered to employees. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can elect to have your employees pay a fixed dollar amount or a percentage. Their portion will be deducted automatically from their paycheck on a pre-tax basis. To learn more about setting up contributions, you can review the information \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360040496551-Dynamic-Cohorting-\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ehere\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HDKSZP2KTGA2CH3WZ6TDPPBP\"\u003eView your plan benefits straight from your Justworks account\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eBy navigating to the \u003cstrong\u003eBenefits \u003c/strong\u003etab in the left-side of your account, you can view the benefits that are being offered to your team. You'll be able to view the amounts paid by both the company and the employee, as well as the plan start date.\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/39174525342235\" alt=\"Screenshot 2025-07-17 at 11.45.17 AM.png\"\u003e\u003c/p\u003e\u003cp\u003eFor additional information on the Company Benefits Center, check out this \u003ca href=\"https://help.justworks.com/hc/en-us/articles/38784056038683-Company-Benefits-Center\" target=\"_blank\" rel=\"noopener noreferrer\"\u003earticle\u003c/a\u003e.\u003c/p\u003e\u003ch2 id=\"h_01KVWYYJY05WVTWWW7SNRGH9EW\"\u003eGroup health insurance not a fit? Explore Health Insurance Reimbursements\u003c/h2\u003e\u003cp\u003eInstead of offering traditional group health insurance, a Custom Health Option and Individual Care Expense Arrangement (CHOICE formerly ICHRA) enables you to set a monthly, tax-free allowance, and employees use it to purchase their own individual health insurance—choosing plans that best fit their needs, location, and doctors. If a plan costs more than an employee’s allowance, the difference is automatically deducted from their Justworks paycheck. Depending on your plan setup, any remaining funds may also be used for eligible healthcare expenses, such as contact lenses or therapy.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eNote: \u003c/strong\u003eYou can't offer a traditional group health plan and a CHOICE Arrangment at the same time. You'll need to choose the approach that best fits your team.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"information here. View your plan \u003cem\u003ebenefits\u003c/em\u003e straight from your Justworks account By navigating to the \u003cem\u003eBenefits\u003c/em\u003e tab in the left-side of","result_type":"article"},{"id":41403915451163,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/41403915451163.json","html_url":"https://help.justworks.com/hc/en-us/articles/41403915451163-Justworks-Payroll-Imputed-Income-and-Fringe-Benefits","author_id":1902370830924,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936433074843,"created_at":"2025-09-24T16:26:41Z","updated_at":"2026-02-09T16:00:11Z","name":"Justworks Payroll: Imputed Income and Fringe Benefits","title":"Justworks Payroll: Imputed Income and Fringe Benefits","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-02-09T16:00:11Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01K0VZK8ZG60YY17QZ1NWQX585"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/41403899947803\" alt=\"Employer - Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks Payroll. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01K5Y9SGJ89QX016SQB97AKTYS\"\u003eManaging Imputed Income and Fringe Benefits in Justworks Payroll\u003c/h2\u003e\u003cp\u003eTo help business owners stay compliant, Justworks Payroll provides a way to record and collect taxes for extra benefits employees may receive, such as imputed income and fringe benefits. Below, we’ll go over the details of what imputed income and fringe benefits are, and how to record them in Justworks Payroll.\u003c/p\u003e\u003ch3 id=\"h_01K5Y8HQT27B9EE0J9V02V3MYV\"\u003eImputed Income vs. Fringe Benefits\u003c/h3\u003e\u003cp\u003eWhile often used interchangeably, imputed income and fringe benefits are not quite the same. A closer look at these terms will show their differences:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e5332a41ac2adb19efbc57b65c110f559\"\u003e\n\u003cstrong\u003eFringe benefit:\u003c/strong\u003e Any perk or extra benefit provided to an employee in addition to their regular wages, which may or may not be considered taxable, \u003ca href=\"https://www.justworks.com/blog/ins-outs-fringe-benefits-exactly\" target=\"_blank\" rel=\"noopener noreferrer\"\u003edepending on its nature and value.\u003c/a\u003e The \u003ca href=\"https://www.irs.gov/pub/irs-pdf/p15b.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS’ Employer’s Tax Guide to Fringe Benefits\u003c/a\u003e includes more details on what’s considered a taxable fringe benefit.\u003c/li\u003e\n\u003cli data-list-item-id=\"e34626f005498ee542cd7345e0132192f\"\u003e\n\u003cstrong\u003eImputed income:\u003c/strong\u003e The monetary value assigned to a taxable fringe benefit, which is the amount added to the employee’s gross income and treated like regular income for tax purposes. This compensation value gets added to the employee’s gross wages for tax purposes, and impacts the amount of income tax the employee owes.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eSimply put, fringe benefit is a broader term that can include any extra benefit an employee may receive, while imputed income refers specifically to the taxable portion of the benefit.\u003c/p\u003e\u003cp\u003eWe strongly encourage employers to consult with their accountant or tax advisor to confirm whether any fringe benefits they offer are taxable and what the taxable amount is that needs to be reported.\u003c/p\u003e\u003ch3 id=\"h_01K5Y8HED6Q074SMCWFKJAV10G\"\u003eHow Is Imputed Income Recorded on Tax Forms?\u003c/h3\u003e\u003cp\u003eImputed income must be reported on Forms W-2 and 940 because it is considered taxable income, and therefore, subject to Federal Income tax, Social Security tax, and Medicare tax. In some cases, imputed income can also be subject to taxation under the Federal Unemployment Tax Act (FUTA).\u003c/p\u003e\u003cp\u003eWhen imputed income is recorded, the compensation value is added to the employee’s gross wages so that it can be taxed. Then, the same compensation amount is subtracted from the net pay since the value of the benefit was already received in non-monetary form.\u003c/p\u003e\u003cp\u003eEmployees can typically expect an increase in taxable wages on a paycheck where imputed income was recorded, resulting in a lower net pay amount than on a paycheck with no imputed income included.\u003c/p\u003e\u003ch3 id=\"h_01K5Y8H8NSXNFZ9BBXCVGWXBTC\"\u003eHow Can I Record Imputed Income in Justworks Payroll?\u003c/h3\u003e\u003cp\u003eAdmins with ‘Make payments’ permissions can record imputed income in Justworks Payroll to ensure the applicable taxes are collected from the employee and included on their tax forms. Recording imputed income for an employee does not initiate a payment to them, instead, we apply the imputed income to the employee’s next paycheck and withhold the corresponding employee and employer taxes as a result of the additional income reported for the employee.\u003c/p\u003e\u003cp\u003eTo start, click on '\u003cspan style=\"background-color: #ffffff; color: #2f3941;\"\u003ePay' in the lefthand side menu followed by the 'Add payment' button. This will take you to the 'Payments Center.' \u003c/span\u003e\u003c/p\u003e\u003cp\u003eOnce you're in the ‘Payments center,’ select ‘Record payments’ from the menu at the top of the page.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1137/1181; width: 77.57%;\" src=\"https://help.justworks.com/hc/article_attachments/44143504111771\" width=\"1137\" height=\"1181\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eScreenshot showing the 'Record payments' section of the Payments Center.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eNext, check off the member(s) you need to record imputed income for. Imputed income can be recorded for multiple members if they’re on the same pay schedule, however, imputed income must be recorded separately for members on different pay schedules.\u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1304/810; width: 86%;\" src=\"https://help.justworks.com/hc/article_attachments/44143504112027\" width=\"1304\" height=\"810\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the Imputed income page where admins can select members to record imputed income for.  \u003c/span\u003e\u003c/p\u003e\u003cp\u003eThen, you’ll be able to choose the upcoming pay date on which the applicable taxes will be withheld from the employee’s paycheck.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1311/818;\" src=\"https://help.justworks.com/hc/article_attachments/44295389168027\" width=\"1311\" height=\"818\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the 'Add payees' and 'Pay details' sections of the Imputed income page.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eOn the next page, you’ll be able to label the imputed income type as ‘Transportation’ or ‘Miscellaneous.’ Members listed as \u0026gt;2% S-Corp Shareholders will also have ‘Health benefits’ and ‘Health benefits (FICA and FUTA exempt)’ labels to choose from. A member’s S-Corp status can be updated by following \u003ca href=\"https://help.justworks.com/hc/en-us/articles/27743538079131-Justworks-Payroll-Making-Changes-to-Employee-Compensation\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ethese steps to make a compensation change\u003c/span\u003e\u003c/a\u003e.\u003c/p\u003e\u003cp\u003eOnce you’ve selected a label, you’ll be able to enter the total taxable amount of imputed income.\u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1301/813; width: 87.77%;\" src=\"https://help.justworks.com/hc/article_attachments/44143488544923\" width=\"1301\" height=\"813\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the second page of the Imputed income process where admins are prompted to choose an imputed income type and enter the imputed income taxable amount.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eOnce you’ve hit ‘Submit,’ you’ll receive confirmation that the imputed income was recorded successfully.\u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1308/818; width: 86.58%;\" src=\"https://help.justworks.com/hc/article_attachments/44143488545179\" width=\"1308\" height=\"818\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing the 'Success!' page that appears after imputed income has been submitted.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eTo review any recorded imputed income, you can return to your Dashboard and scroll down to the ‘Upcoming payments’ section. By clicking the ‘View estimate’ link next to the applicable pay date, you’ll be able to view all scheduled imputed income.\u003c/p\u003e\u003cp\u003e\u003cimg class=\"wysiwyg-image-resized\" style=\"aspect-ratio: 1299/801; width: 84.57%;\" src=\"https://help.justworks.com/hc/article_attachments/44143488545563\" width=\"1299\" height=\"801\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"background-color: #ffffff; color: hsl(0,0%,50%);\"\u003eScreenshot showing an upcoming payroll estimate that includes imputed income for an employee.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eIf you need to make changes to imputed income that’s already been recorded, you will be able to do so as long as it’s before the processing date of the payroll it’s included in. You can follow the \u003ca href=\"https://help.justworks.com/hc/en-us/articles/27743437467675-Justworks-Payroll-Scheduling-One-Time-Payments\" target=\"_blank\" rel=\"noopener noreferrer\"\u003esteps for updating a one-time payment\u003c/a\u003e to edit or delete the imputed income amount.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"collect taxes for extra \u003cem\u003ebenefits\u003c/em\u003e employees may receive, such as imputed income and fringe \u003cem\u003ebenefits\u003c/em\u003e. Below, we’ll go over the","result_type":"article"},{"id":360059711331,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360059711331.json","html_url":"https://help.justworks.com/hc/en-us/articles/360059711331-How-To-File-a-Claim-for-MetLife-Benefits-with-Justworks","author_id":388388429551,"comments_disabled":true,"draft":false,"promoted":false,"position":27,"vote_sum":-1,"vote_count":15,"section_id":32936505729051,"created_at":"2021-04-12T17:11:57Z","updated_at":"2026-07-10T15:47:39Z","name":"How To File a Claim for MetLife Benefits with Justworks","title":"How To File a Claim for MetLife Benefits with Justworks","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-10T15:47:39Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0VZKZXHZWTWNQ43J09K4Q6K"],"label_names":["PFL","Disability","MetLife"],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180405170843\" alt=\"Employee - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/23622532739483-C%C3%B3mo-presentar-una-reclamaci%C3%B3n-por-beneficios-de-MetLife-con-Justworks\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHaga clic aquí para leer este artículo en español.\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThere are a few ways you can choose to file a claim for your Short Term Disability (STD), Long Term Disability (LTD), New York Paid Family Leave (NY PFL) or New York Disability (NY DBL) polices provided by MetLife through Justworks. Keep reading to learn the different options below.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01K2MNZWJKHNVR2CV87BMHWTZC\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMetlife Member ID\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhen filing a claim for Short Term Disability (STD), Long Term Disability (LTD), you can opt to use your Metlife Member ID instead of the Social Security Number on the claims form. You will input the Member ID in the “Employee ID number (if applicable)” field. If using the Member ID number for STD or LTD claims, you can leave the “Social Security Number” field blank. Please note, this option is only available for STD and LTD claims, for all other claims you will continue to provide your SSN.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HAN09CNTQ0SKA1M9QDKVEPQ2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFiling A Claim Online\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eMetLife’s \u003c/span\u003e\u003ca href=\"https://online.metlife.com/edge/web/public/benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e“MyBenefits” portal\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e allows you to file a claim online, view the status of a claim, and also set up direct deposit information all in one place. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eTo get started:\u003c/span\u003e\u003c/p\u003e\u003col\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"eb93277f1581afaa99afd10498012d862\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eNavigate to the “\u003c/span\u003e\u003ca href=\"https://payroll.justworks.com/account/benefits/dashboard\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eAncillary Benefits\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e” tab of your Benefit Center in Justworks to see what MetLife products you are currently enrolled in through Justworks. \u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"ea27efc2079ab9bd422800a1a463974e8\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eClick on the \u003c/span\u003e\u003cstrong\u003e“Get Started” \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003ebutton to see some helpful information about your policy and everything you need to get ready to file your claim with MetLife.\u003c/span\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/18893948144283\" alt=\"Screenshot 2023-09-18 at 4.46.27 PM.png\"\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e481adb72401ccd96fd70c82b4a507a99\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eClick on the “\u003c/span\u003e\u003cstrong\u003eFile online\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e” button to be brought to MetLife’s \u003c/span\u003e\u003ca href=\"https://online.metlife.com/edge/web/public/benefits\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\"MyBenefits\" portal\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003col\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"2\" data-list-item-id=\"e7b30b8c2f7b2e345e7ac9d103d1920fc\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eWhen prompted for the name of your organization enter \u003c/span\u003e\u003cstrong\u003eJustworks Employment Group, LLC\u003cimg src=\"https://help.justworks.com/hc/article_attachments/18893948151067\" alt=\"Screenshot 2023-09-18 at 4.28.08 PM.png\"\u003e\u003c/strong\u003e\n\u003c/li\u003e\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e04693d9de162980ec58886f978248c85\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eIf you have already created an account you can select “\u003c/span\u003e\u003cstrong\u003eLogin\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e” to enter the portal\u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"eae79f45e96f18671ab9cb91ccd87c421\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eIf this is your first time filing a claim, select “\u003c/span\u003e\u003cstrong\u003eRegister\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e”\u003c/span\u003e\u003col\u003e\u003cli style=\"font-weight: 400;\" aria-level=\"2\" data-list-item-id=\"e7cda44d2aa31114327a47e0acf6e2694\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eComplete the account creation process using the information as it appears in your Justworks profile\u003c/span\u003e\u003c/li\u003e\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e6d427caf54dc42bc46ab6f5691741f8c\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eOnce in the MyBenefits portal, navigate to the “\u003c/span\u003e\u003cstrong\u003eClaims Center\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e” and select “\u003c/span\u003e\u003cstrong\u003eI want to file a claim\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e” in order to begin the claims filing process.\u003c/span\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\u003ch2 id=\"h_01HAN09CNTAMRH8BEF6JQVCFGE\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFiling your Claim on the Phone\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eStarting your claim over the phone is easy by calling MetLife’s personalized 1800 number for Justworks members 1-833-771-1424.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can also call this number for help understanding your MetLife Policies .\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HAN09CNT0RYPNW0S5XQV0F0T\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFiling your Claim via Fax or Mail\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you’d rather file a claim by faxing or mailing in a paper claim form as you always have, you now have access to your claims form in your Justworks profile\u003c/span\u003e\u003c/p\u003e\u003col\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e8404ff87140320304d4be9e0514a326f\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eNavigate to the “\u003c/span\u003e\u003ca href=\"https://payroll.justworks.com/account/benefits/dashboard\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eAncillary Benefits\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e” tab of your Benefit Center in Justworks to see what MetLife products you are currently enrolled in through Justworks. \u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e57c464199139c65f12f3d1c8a37d4c74\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eClick on the \u003c/span\u003e\u003cstrong\u003e“Get Started” \u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003ebutton to see some helpful information about your policy.\u003c/span\u003e\n\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\" data-list-item-id=\"e334ff42bbae681a1b1246a993a9d9ed1\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eClick “Download Claims form” for a copy of your policy’s claim form. You can submit your completed claims form to MetLife via fax or mail to the number or address below:\u003c/span\u003e\u003col\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"2\" data-list-item-id=\"e079fef655cff43c4e8a152e931e537d7\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFAX: 1-800-230-9531 (preferred method)\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"2\" data-list-item-id=\"e38cd5b16fa50d4faa003e49e4079629f\"\u003e\n\u003cspan style=\"font-weight: 400;\"\u003eMAIL: Metropolitan Life Insurance Company, \u003c/span\u003e\u003cbr\u003e\u003cspan style=\"font-weight: 400;\"\u003ePO Box 14590, \u003c/span\u003e\u003cbr\u003e\u003cspan style=\"font-weight: 400;\"\u003eLexington, KY 40512\u003c/span\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/li\u003e\n\u003c/ol\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"get started: Navigate to the “ Ancillary \u003cem\u003eBenefits\u003c/em\u003e ” tab of your \u003cem\u003eBenefit\u003c/em\u003e Center in Justworks to see what MetLife products","result_type":"article"},{"id":360042455651,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360042455651.json","html_url":"https://help.justworks.com/hc/en-us/articles/360042455651-Commuter-Benefits-via-Optum-Financial","author_id":388388452751,"comments_disabled":false,"draft":false,"promoted":false,"position":11,"vote_sum":-4,"vote_count":22,"section_id":32936500743963,"created_at":"2020-04-17T18:50:04Z","updated_at":"2026-07-28T13:44:47Z","name":"Commuter Benefits via Optum Financial","title":"Commuter Benefits via Optum Financial","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-28T13:44:46Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HY5XDQKCWKQM8943269AZKWD","01K0VZKZXHZWTWNQ43J09K4Q6K"],"label_names":["commuter","commuter benefits"],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32180405049627\" alt=\"Employee - PEO.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T34YPW9N1SG7ZVCRW26\"\u003eEnrollment and Order Deadlines\u003c/h2\u003e\u003ch3 id=\"h_01HA5M1T34FZ06348BWARJ1H4T\"\u003eEnrollment deadlines: \u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf your employer is offering the commuter benefit, you can enroll yourself by navigating to \u003cstrong\u003eYou \u0026gt; Benefits \u0026gt; Ancillary benefits \u0026gt; Commuter benefits\u003c/strong\u003e. You can complete this at any time. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOnce this step has been completed, employees must enroll in Optum Financial and create an account to get started to place a new order. Enrollment does not have a deadline, but please review the order deadlines below. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eBoth full-time and part-time employees are eligible. Unfortunately, unpaid owners are not eligible for this benefit.\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01HA5M1T34FQ8DT0GHTQGD9H00\"\u003eOrder deadlines:\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmployees have until the 6th of each month to place new orders, make changes, or cancel their order, effective for the following benefit month. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eFor example, if you place an order on October 27th, this order will be for the December benefit month, as the Oct 6th deadline for November orders will have passed. You will have until November 6th to make any changes to your December order. You’ll then receive your card or transit/parking pass by December 1st or the modifications or cancellations will take effect on December 1st.\u003c/span\u003e\u003c/p\u003e\u003ch4 id=\"h_01HA5M1T344BRRPGVXHN7X5379\"\u003eCommuters utilizing Metro-North or Long Island Rail Road in NY:\u003c/h4\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmployees have until the 4th of each month to place new orders, make changes, or cancel their order for the following benefit month, specifically for Metro-North or LIRR.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you are using a benefit debit card to purchase your Metro-North or LIRR pass in person then your deadline will remain the 6th of the month.\u003c/span\u003e\u003c/p\u003e\u003ch4 id=\"h_01HA5M1T34YWSTWRRD0V15KFNR\"\u003eProducts Available Through Optum Financial\u003c/h4\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOptum Financial provides a variety of products that you can select from to meet your qualified transit and parking needs. The Optum Financial Portal will take into consideration how and where you commute from, and will guide you through making orders, and providing recommendations for products that best align with your commuter needs. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou will also have the ability to order multiple products for each benefit month to ensure you are getting the most out of your benefits. This includes passes directly from your local transit authorities, voucher checks to your parking provider, the Justworks Benefit Card, and more. When ordering the Justworks Benefit Card you will be able to swipe directly at your local transit stations and parking venues (some restrictions apply) or submit claims for out-of-pocket parking purchases. Please note, per IRS guidelines, out-of-pocket transit purchases are not eligible for reimbursement. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you are based in Washington D.C. or Baltimore, please note that the Justworks Benefit Card cannot be used to purchase passes for WMATA (SmarTrip) \u0026amp; MTA Baltimore.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOptum Financial resources on qualified commuter expenses can be found \u003c/span\u003e\u003ca href=\"https://www.optum.com/financial-services/commuter-benefits.html\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ehere\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T342HDZFPSKCM37T58M\"\u003eHow to enroll in Optum Financial\u003c/h2\u003e\u003cp\u003eFor more information on how to enroll and register your account with Optum Financial visit: \u003ca href=\"https://help.justworks.com/hc/en-us/articles/360050898131-Registering-and-Logging-into-Optum-Financial\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eRegistering and Logging into Optum Financial\u003c/a\u003e.\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T348TGQ20K5SE1NXB5E\"\u003eDeductions\u003c/h2\u003e\u003cp\u003eIf you are paid \u003cstrong\u003esemi-monthly\u003c/strong\u003e, your contributions will be deducted from the first paycheck of the month. For most employees paid \u003cstrong\u003ebi-weekly\u003c/strong\u003e or \u003cstrong\u003eweekly\u003c/strong\u003e, you will see deductions on the first payroll on or after the 12th of the month.\u003cbr\u003e\u003cbr\u003eSome employees who are paid \u003cstrong\u003ebi-weekly\u003c/strong\u003e or \u003cstrong\u003eweekly\u003c/strong\u003e may see deductions on the first payroll on or after the 10th of the month. This is dependent on your company's settings. If you have any questions on the timing of your deductions, please reach out to our Customer Service team.\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003ePlease note the IRS maximum for pre-tax contributions for commuter benefits are as follows: \u003c/span\u003e\u003c/p\u003e\u003cp\u003eFor \u003cstrong\u003e2025\u003c/strong\u003e, $325 for transit and $325 for parking per month.\u003c/p\u003e\u003cp\u003eFor \u003cstrong\u003e2026,\u003c/strong\u003e $340 for transit and $340 for parking per month.\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T34GJ3C92EFTGK7YKM7\"\u003eMaking changes to your benefit\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eTo make changes, log into your Optum Financial account directly. If you have questions related to changing your benefit selection or the type of selections available for your location, you can contact Optum Financial Customer Support to learn more. You can reach them at 844-881-0242 or email  \u003c/span\u003e\u003ca href=\"mailto:of-service@of.optum.com\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eof-service@of.optum.com\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e Their Customer Support is available 24/7 365 days a year.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T34A4J57YB1TV3GSGH4\"\u003eLost cards\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you've lost your card, it's best to contact Optum Financial Customer Support at 844-881-0242 or request a new card directly on the Optum Financial app. Please keep in mind that it's best to reach out to them as soon as you are able. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T341PMAS74TZ5B7VNAM\"\u003eSeparated employees\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you are no longer employed, your Optum Financial account will be canceled immediately. If you have credits on your account due to a transfer or refund those will be forfeited on the day of your separation. To avoid losing commuter credits it may be a good idea to transfer credits to a debit card by the order deadline prior to your separation. If you have a commuter debit card, then you will have 90 days from the date of separation to use the funds on the card. After that, you will lose access to any remaining pre-tax funds and remaining post-tax funds will be returned to you. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T342JX07F7PH6GCW721\"\u003eCredits\u003c/h2\u003e\u003cp\u003eCredits added to your commuter account as a result of a reimbursement or transfer operate differently than funds already available on a commuter debit card. Credits, similar to pre-tax deductions, are subject to IRS rules and monthly limits. Credits for transit orders are capped at $325 per month for 2025 and $340 per month for 2026. Credits for parking orders are capped at $325 per month for 2025 and $340 per month for 2026. Credits will expire upon separation of employment.\u003c/p\u003e\u003ch2 id=\"h_01HA5M1T34HE4WBKJG8NE6Z8BD\"\u003eContacting Optum Financial\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOptum Financial’s Customer Service is open 24/7 365 days a year. If you have any questions or need to contact Optum Financial for help on your account, you can call 1 \u003c/span\u003e\u003cspan style=\"background-color: #ffffff; color: #172b4d;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e(844) 881-0242\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e or email \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003eof-service@of.optum.com\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can also get more information and submit your claims through the Optum Financial app or visit the Optum Financial Commuter Benefits Overview Page \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360041721732-Commuter-Benefit-Overview\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehere\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"commuter \u003cem\u003ebenefit\u003c/em\u003e, you can enroll yourself by navigating to You \u0026gt; \u003cem\u003eBenefits\u003c/em\u003e \u0026gt; Ancillary \u003cem\u003ebenefits\u003c/em\u003e \u0026gt; Commuter \u003cem\u003ebenefits\u003c/em\u003e. You","result_type":"article"},{"id":40980025240731,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/40980025240731.json","html_url":"https://help.justworks.com/hc/en-us/articles/40980025240731-How-To-Request-a-Quote-and-Select-Supplemental-Benefits-In-Canada","author_id":1265634058929,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":24025565585179,"created_at":"2025-09-11T23:10:54Z","updated_at":"2026-07-28T19:17:16Z","name":"How To Request a Quote and Select Supplemental Benefits In Canada","title":"How To Request a Quote and Select Supplemental Benefits In Canada","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-27T19:57:00Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01K8XJHHMECWSPQMR28ZQW4233","01K8XNKJ10ECCK83R191T0DA4H"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/40980154984987\" alt=\"Employer - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01KBKF133BWWN36HAYN8QRF27P\"\u003eOverview Section\u003c/h2\u003e\u003cp\u003eAdmins supporting employees in Canada using Justworks Employer of Record (EOR) can quote and request supplemental benefits directly in the Justworks platform.\u003c/p\u003e\u003cp\u003eThis self-service process allows you to:\u003c/p\u003e\u003col\u003e\n\u003cli data-list-item-id=\"edefe7445a5de94bf78c944a3bbb62426\"\u003eGenerate a real-time benefits quote based on employee salaries.\u003c/li\u003e\n\u003cli data-list-item-id=\"e59a06fb059ef8e54dd43389aa5350caa\"\u003eReview available benefit offerings for Canada.\u003c/li\u003e\n\u003cli data-list-item-id=\"e3047999227a221519e96dc624ecb1b35\"\u003eSubmit your benefit selections.\u003c/li\u003e\n\u003c/ol\u003e\u003ch2 id=\"h_01KBKF133EK9N6TCFS1MQB1AGE\"\u003eWho Can Use This Feature?\u003c/h2\u003e\u003cp\u003eAny EOR admin with \u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004475952-Company-Level-Permissions\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eCompany Level Permissions\u003c/a\u003e\u003cspan style=\"color: #999999;\"\u003e \u003c/span\u003eto “Manage company benefits” can access the Canada benefits submission form directly from the Benefits Center. \u003c/p\u003e\u003ch2 id=\"h_01KBKF133FJ3KQGGZPEJ31DXQ1\"\u003eHow to Request A Benefits Quote\u003c/h2\u003e\u003cp\u003eTo set up benefits, a quote must be generated first. The quote includes pricing based on employee salaries and outlines the complete package cost.\u003c/p\u003e\u003cp\u003eTo get started, navigate to the \u003cstrong\u003eBenefits\u003c/strong\u003e section.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 454/1038;\" src=\"https://help.justworks.com/hc/article_attachments/51195603135899\" alt=\"Screenshot 2026-06-02 at 1.28.46 PM.png\" width=\"454\" height=\"1038\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the side navigation panel when the Benefits section is selected.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eSelect the \u003cstrong\u003eAdd Benefits\u003c/strong\u003e tab within \u003cstrong\u003eCompany benefits\u003c/strong\u003e, then click the “\u003cstrong\u003eView details\u003c/strong\u003e” button within the \u003cstrong\u003eInternational\u003c/strong\u003e tile.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 2134/1138;\" src=\"https://help.justworks.com/hc/article_attachments/51195634602011\" alt=\"Screenshot 2026-06-02 at 1.30.43 PM.png\" width=\"2134\" height=\"1138\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Company benefits section. Specifically showing when the Add Benefits tab is selected and how to view details for International benefits.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eYou’ll navigate to an International benefits page listing all of the countries where you can request a quote and select benefits for directly in Justworks. To request benefits in Canada, you will want to click the '\u003cstrong\u003eGet started\u003c/strong\u003e' button next to Canada on the list. \u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1998/1324;\" src=\"https://help.justworks.com/hc/article_attachments/51195603140123\" alt=\"Screenshot 2026-06-02 at 1.33.48 PM.png\" width=\"1998\" height=\"1324\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the International benefits section and that highlights the Get started button.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eYou’ll be prompted to '\u003cstrong\u003eRequest a quote'\u003c/strong\u003e before making benefit selections. Quotes are based on employee salary and show estimated costs for the full suite of Canadian benefits.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1015/539;\" src=\"https://help.justworks.com/hc/article_attachments/51195603141019\" alt=\"Screenshot 2026-06-02 at 1.41.05 PM.png\" width=\"1015\" height=\"539\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Canada benefits section. Specifically showing how to request a quote. \u003c/span\u003e\u003c/p\u003e\u003cp\u003eTo get a quote, enter the employee’s salary in their local currency in the \u003cstrong\u003eEmployee 1\u003c/strong\u003e field. For this example, we’re using “68,000.00 CAD” as shown below. \u003c/p\u003e\u003cp\u003eYou can select the '\u003cstrong\u003e+ Add employee'\u003c/strong\u003e button to include another employee’s salary. You can do this multiple times to capture all of your Canadian employees. \u003c/p\u003e\u003cp\u003eOnce complete, click '\u003cstrong\u003eRequest a quote'\u003c/strong\u003e to request a quote in real-time. \u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1009/651;\" src=\"https://help.justworks.com/hc/article_attachments/51195603141787\" alt=\"Screenshot 2026-06-02 at 1.44.56 PM.png\" width=\"1009\" height=\"651\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Request a quote in Canada page. Specifically showing how to enter and submit Salary information as a part of the process. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003e\u003cstrong\u003eNote: \u003c/strong\u003eCanada requires offering all insurance benefits together.\u003c/em\u003e\u003c/p\u003e\u003cp\u003eYour quote will be generated instantly, and you may click '\u003cstrong\u003eView quote'\u003c/strong\u003e to access and review it. From this screen, you can also click '\u003cstrong\u003eSelect Benefits\u003c/strong\u003e' to view and select benefits for your team members. \u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 982/305;\" src=\"https://help.justworks.com/hc/article_attachments/51195603146139\" alt=\"Screenshot 2026-06-02 at 1.48.05 PM.png\" width=\"982\" height=\"305\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Canada benefits section after a quote is submitted. Specifically showing how to view the quote or continue to selections. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01KBKF133SNZX5GF465SJ34YZW\"\u003eHow to Select Supplemental Benefits\u003c/h2\u003e\u003cp\u003eFrom the previous screen, you would want to click the '\u003cstrong\u003eSelect Benefits\u003c/strong\u003e' button. You may also navigate back to that screen by selecting the \u003cstrong\u003eBenefits\u003c/strong\u003e section, clicking the \u003cstrong\u003eAdd Benefits\u003c/strong\u003e tab within \u003cstrong\u003eCompany benefits\u003c/strong\u003e, selecting the “\u003cstrong\u003eView details\u003c/strong\u003e” button within the \u003cstrong\u003eInternational\u003c/strong\u003e tile, and clicking the '\u003cstrong\u003eGet started\u003c/strong\u003e' button next to Canada.\u003c/p\u003e\u003cp\u003eBefore getting started, take a moment to review the \u003cstrong\u003eguidelines\u003c/strong\u003e on how to complete the form and what to expect after submission. You’ll also find an \u003cstrong\u003eoverview\u003c/strong\u003e of the benefits available in Canada and information to \u003cstrong\u003ekeep in mind\u003c/strong\u003e that outlines important implementation details.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 977/745;\" src=\"https://help.justworks.com/hc/article_attachments/51195603148955\" alt=\"Screenshot 2026-06-02 at 4.39.00 PM.png\" width=\"977\" height=\"745\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Canada benefits selection form Guidelines.\u003c/span\u003e\u003c/p\u003e\u003cp\u003eEach benefit is presented in an individual card. Click '\u003cstrong\u003eSelect benefit'\u003c/strong\u003e on each applicable card to add it to your package. You can also specify a \u003cstrong\u003eRequested effective date\u003c/strong\u003e based on employee hire dates. These dates are used as guidance and are not guaranteed. Effective dates cannot be in the past and must be set for a future date.\u003c/p\u003e\u003cp\u003eCertain benefits, such as the Group Registered Retirement Savings Plan (GRRSP) shown below offer an \u003cstrong\u003eEmployer match\u003c/strong\u003e.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 622/435;\" src=\"https://help.justworks.com/hc/article_attachments/51195634627995\" alt=\"Screenshot 2026-06-02 at 4.46.18 PM.png\" width=\"622\" height=\"435\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Canada benefits selection form. Specifically how to Select benefit, Request effective date, and select Employer match.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"color: #2F3941;\"\u003eIt’s important to note that, in Canada, if you would like to offer any insurance benefit (Health, Dental, Life, STD, LTD, AD\u0026amp;D, Critical Illness), you must offer the entire suite of benefits, and you must choose “\u003cstrong\u003eSelect all insurance benefits\u003c/strong\u003e”\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/40980025235995\" width=\"624\" height=\"153.17762024703114\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the Canada benefits selection form when Select all insurance benefits is selected. \u003c/span\u003e\u003c/p\u003e\u003cp\u003eOnce selections are complete, you can review all \u003cstrong\u003eSelections\u003c/strong\u003e and '\u003cstrong\u003eSubmit'\u003c/strong\u003e the form.\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 368/685;\" src=\"https://help.justworks.com/hc/article_attachments/51195603163419\" alt=\"Screenshot 2026-06-02 at 4.49.29 PM.png\" width=\"368\" height=\"685\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\" style=\"color: hsl(0,0%,50%);\"\u003eJustworks interface showing the review section of the Canada benefits selection form and specifying how to Submit the selections. \u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01KBKF134BBQBFB694GCYEXNJS\"\u003eWhat Happens Next?\u003c/h2\u003e\u003cp\u003eOnce benefit selections are submitted, you will receive an email confirming receipt of the form and detailing the next steps for your employees. \u003c/p\u003e\u003cp\u003eThen, eligible employees receive enrollment forms directly via email. Once employees complete their forms, our team will finalize their enrollment and send direct confirmation.\u003c/p\u003e\u003ch2 id=\"h_01KBKF134C7MDP70KWXEBFMM8R\"\u003eNeed Help?\u003c/h2\u003e\u003cp\u003eNo worries! Please contact\u003cspan style=\"color: #999999;\"\u003e \u003c/span\u003e\u003ca href=\"mailto:international-support@justworks.com\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003einternational-support@justworks.com\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"color: #999999;\"\u003e \u003c/span\u003eor reach out to your International Customer Success Manager for assistance.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"real-time \u003cem\u003ebenefits\u003c/em\u003e quote based on employee salaries. Review available \u003cem\u003ebenefit\u003c/em\u003e offerings for Canada. Submit your \u003cem\u003ebenefit\u003c/em\u003e selections","result_type":"article"},{"id":51286324406299,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/51286324406299.json","html_url":"https://help.justworks.com/hc/en-us/articles/51286324406299-Managing-Payroll-and-Benefits-Deductions-for-an-Employee-on-Unpaid-Leave","author_id":30861880145435,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":32936195170075,"created_at":"2026-06-04T18:11:12Z","updated_at":"2026-06-04T18:11:12Z","name":"Managing Payroll and Benefits Deductions for an Employee on Unpaid Leave","title":"Managing Payroll and Benefits Deductions for an Employee on Unpaid Leave","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-04T18:11:12Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01HY5XDQKCWKQM8943269AZKWD","01K0VZN9PB3T1AD8R1HZQ01DC6"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/51286320101915\" alt=\"Employer - PEO \u0026amp; Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eThis article is about Justworks PEO and Payroll. \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01KT9X6AA9PTYGD86W27F81817\"\u003eHow do I manage an employee's pay while they’re on unpaid leave?\u003c/h2\u003e\u003cp\u003eDuring the employee’s unpaid leave period, you should override their salary payments to $0 within the system for the duration of their leave. This effectively pauses payroll and ensures no wages are paid out while they are on leave.\u003c/p\u003e\u003ch2 id=\"h_01KT9X6AAB4GJAJ61V2HXVCKZT\"\u003eWhat happens to an employee’s benefits and deductions while they are on unpaid leave?\u003c/h2\u003e\u003cp\u003eEmployees on unpaid leave are eligible for group plan benefits for up to three months (or longer if required by law). During this time, Justworks will invoice you (the employer) for the employee’s MDV (Medical, Dental, Vision) premiums.\u003c/p\u003e\u003cp\u003eUpon return from leave, payroll deductions for benefits will begin again, including retroactive deductions for the employee’s period of unpaid leave. Justworks will attempt to deduct owed premiums prioritizing in the following order; medical first, then dental, then vision.\u003c/p\u003e\u003cp\u003eAncillary benefits (like supplemental life insurance) will also be deducted as a catch-up lump sum on the first eligible pay period after leave.\u003c/p\u003e\u003cp\u003eIf an employee returning from leave is not paid enough to cover their payroll deductions, the deductions are reduced as much as necessary, and to the extent possible, to allow the payment to successfully proceed. Any remaining retroactive deductions would be drawn from the following paychec\u003cspan style=\"background-color: #ffffff;\"\u003ek. \u003c/span\u003eIf there is an issue with processing payroll due to catch-up deductions Justworks will reach out to the company admin.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePlease note\u003c/strong\u003e that to maintain benefits after unpaid leave, employees must work at least 30 hours per week, and have this reflected within the Justworks platform.\u003c/p\u003e\u003ch2 id=\"h_01KT9X6AAEPHA9PM1ARCADX2FK\"\u003eWhat is the employer or Justworks account administrator responsible for?\u003c/h2\u003e\u003ch3 id=\"h_01KT9X6AAE5YKMQWMG8EBAXCPZ\"\u003eTracking the three month eligibility period\u003c/h3\u003e\u003cp\u003eThe three-month benefits eligibility clock for the employee on unpaid leave starts from their first day of unpaid leave. It is your responsibility as their employer to accurately track this period.\u003c/p\u003e\u003ch3 id=\"h_01KT9X6AAFBTVSWR11VJZBNG54\"\u003eIf the employee is on unpaid leave longer than three months\u003c/h3\u003e\u003cp\u003eIf the employee remains on unpaid leave beyond three months, benefits will terminate at the end of the month in which the three-month period expires. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003ePlease note\u003c/strong\u003e that Justworks’ system does not automatically terminate the employee’s benefits after three months. The employer must notify Justworks to process benefits termination triggering COBRA eligibility.\u003c/p\u003e\u003ch3 id=\"h_01KT9X6AAGKMXJT9CRAMSETKS3\"\u003eExplain to returning employees how catch-up deductions work\u003c/h3\u003e\u003cp\u003eAs an employer or administrator on the Justworks platform you’ll want to explain how catch-up deductions work to the returning employee. Justworks will attempt to deduct owed premiums in order (medical first, then dental, then vision) and may reduce net pay to near zero if the owed amount is high.\u003c/p\u003e\u003cp\u003eCatch-up deductions will include ancillary benefits (such as supplemental life insurance) and FSA contributions.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"terminate the employee’s \u003cem\u003ebenefits\u003c/em\u003e after three months. The employer must notify Justworks to process \u003cem\u003ebenefits\u003c/em\u003e termination triggering","result_type":"article"},{"id":42824457864859,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/42824457864859.json","html_url":"https://help.justworks.com/hc/en-us/articles/42824457864859-Working-in-Canada-with-Justworks-Health-Benefits-and-Pension-Coverage","author_id":1902289820004,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":42824478105755,"created_at":"2025-10-31T17:05:04Z","updated_at":"2026-07-28T19:17:16Z","name":"Working in Canada with Justworks: Health, Benefits, and Pension Coverage","title":"Working in Canada with Justworks: Health, Benefits, and Pension Coverage","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-01-07T15:21:18Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01K8XJHHMECWSPQMR28ZQW4233","01K8XNKJ10ECCK83R191T0DA4H"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/42824483795995\" alt=\"Employee - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003eAs an employee working in Canada through Justworks, you’re covered by public and private programs that protect your health, income, and overall wellbeing.\u003c/p\u003e\u003cp\u003eThese programs ensure you can access healthcare, take protected time off when you’re ill or on holiday, and receive income support when caring for your family.\u003c/p\u003e\u003cp\u003eThis series of guides explains your Canadian benefits and leave entitlements in clear, straightforward language, based on official sources from Canada.ca and Employment and Social Development Canada (ESDC).\u003c/p\u003e\u003ch2 id=\"h_01K8XKGMN03VSQVT42Y7R2MZNQ\"\u003eWhat You’ll Find in This Series:\u003c/h2\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e49342e0532e48820e979fcd5cedc2116\"\u003e\n\u003cstrong\u003eHealth, Benefits, and Pension Coverage\u003c/strong\u003e — Learn about Canada’s public healthcare system, Justworks’ supplemental Sun Life coverage, and how contributions to Employment Insurance (EI) and the Canada Pension Plan (CPP) support you.\u003c/li\u003e\n\u003cli data-list-item-id=\"eea52c035fffec297308a287aca7a8ce8\"\u003e\n\u003cstrong\u003eLeave and Sick Pay\u003c/strong\u003e — Understand your rights to vacation leave, paid holidays, and sick pay, plus how EI Sickness Benefits can help when you’re unable to work.\u003c/li\u003e\n\u003cli data-list-item-id=\"eb5f7e12989e7ee74dfe9b31720cb12d1\"\u003e\n\u003cstrong\u003eFamily and Parental Leave\u003c/strong\u003e — Explore your entitlements to maternity, parental, and caregiving leave, and learn how to apply for Employment Insurance (EI) benefits.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eAs an employee working in Canada through Justworks, you’re supported by a combination of \u003cstrong\u003epublic programs\u003c/strong\u003e and \u003cstrong\u003eprivate benefits\u003c/strong\u003e that help protect your health, income, and financial future.\u003c/p\u003e\u003cp\u003eThis guide explains how healthcare, supplemental insurance, and retirement contributions work for Justworks employees in Canada. All information is based on official government sources, including Canada.ca and Employment and Social Development Canada (ESDC).\u003c/p\u003e\u003ch2 id=\"h_01K8XK5VC306GTYRJ2RAG2A305\"\u003ePublic Health Coverage in Canada\u003c/h2\u003e\u003cp\u003eCanada’s healthcare system is publicly funded and provides residents with access to most \u003cstrong\u003eessential medical services\u003c/strong\u003e free of charge at the point of use. Healthcare is administered by each \u003cstrong\u003eprovince or territory\u003c/strong\u003e, meaning coverage and registration steps can vary depending on where you live.\u003c/p\u003e\u003ch3 id=\"h_01KCME7EJYKFPS07CND2CHSASK\"\u003ePublic plans typically cover:\u003c/h3\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e01e0ad13bbff24523a9f920e8da4be3c\"\u003eDoctor visits and consultations\u003c/li\u003e\n\u003cli data-list-item-id=\"e82358893afc229d6c7ccbd7cf3ff0cf6\"\u003eHospital stays and medical procedures\u003c/li\u003e\n\u003cli data-list-item-id=\"e2e60a046daf829de53dcdd26a7bf2f0a\"\u003eEmergency care and maternity services\u003c/li\u003e\n\u003c/ul\u003e\u003ch3 id=\"h_01KCME7ZA1EZ997CRYJCF2G4F1\"\u003eNot all services are covered:\u003c/h3\u003e\u003cp\u003eMany provinces do not fully cover:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ec838595b77efd93061f87e43ac0b0bd4\"\u003ePrescription drugs (outside hospitals)\u003c/li\u003e\n\u003cli data-list-item-id=\"e27eb02f1bfc40947e2e4c5c019cc69e1\"\u003eDental or vision care\u003c/li\u003e\n\u003cli data-list-item-id=\"edfc5a9722674eba7b133952bb9502882\"\u003eParamedical services such as physiotherapy, chiropractic, or massage therapy\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eYou must register for your \u003cstrong\u003eprovincial health card\u003c/strong\u003e to access services. Each province manages its own plan:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e0f9005c6524d4f0cb9cfad9f71c0ad70\"\u003eOntario Health Insurance Plan (OHIP)\u003c/li\u003e\n\u003cli data-list-item-id=\"ef2ccc68bb8c22b4f1447f27123008314\"\u003eBritish Columbia Medical Services Plan (MSP)\u003c/li\u003e\n\u003cli data-list-item-id=\"ed2364a6311d1afe2e6aec4da2bad8c2f\"\u003eAlberta Health Care Insurance Plan (AHCIP)\u003c/li\u003e\n\u003cli data-list-item-id=\"e929f8ee324848cbeca99ab109ad920c0\"\u003eRégie de l’assurance maladie du Québec (RAMQ)\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eYou can apply online, by mail, or in person at a provincial health office or Service Centre. For detailed information on how to register, visit your province’s official health website (e.g., ServiceOntario, Health Alberta, RAMQ).\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eTip:\u003c/strong\u003e Once registered, keep your provincial health card with you. You’ll need it whenever you visit a doctor, clinic, or hospital.\u003c/p\u003e\u003ch2 id=\"h_01K8XK5VC7607QQCJ6TZZ5CRCN\"\u003eSupplemental Health Coverage through Justworks\u003c/h2\u003e\u003cp\u003eTo help fill the gaps in public healthcare, Justworks partners with \u003cstrong\u003eSun Life\u003c/strong\u003e to provide supplemental private insurance to employees in Canada.\u003c/p\u003e\u003cp\u003eYour supplemental plan may include coverage for:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e4c09df9b8c8379eab0b999cc8d1dfae4\"\u003ePrescription medications\u003c/li\u003e\n\u003cli data-list-item-id=\"e7658f7eb66b5d28c52c7bd36075c3e39\"\u003eDental care (cleanings, exams, fillings)\u003c/li\u003e\n\u003cli data-list-item-id=\"e6c8ac3c6dbdf172eae32856bb7886cfd\"\u003eVision care (glasses and eye exams)\u003c/li\u003e\n\u003cli data-list-item-id=\"e18e2d840606447132c8a324ff2e08acc\"\u003eMental health and counseling services\u003c/li\u003e\n\u003cli data-list-item-id=\"e8fa8028d0c029f31828d9b5135cdde70\"\u003eParamedical care (such as physiotherapy or chiropractic treatment) \u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThis private insurance complements public healthcare and helps reduce out-of-pocket costs for everyday health needs.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNote:\u003c/strong\u003e You’ll receive details about your specific plan and coverage limits during onboarding.\u003c/p\u003e\u003ch2 id=\"h_01K8XK5VCBKNTR2TFVS5H2SPM9\"\u003eEmployment Insurance (EI)\u003c/h2\u003e\u003cp\u003eThe \u003cstrong\u003eEmployment Insurance (EI)\u003c/strong\u003e program provides \u003cstrong\u003etemporary income support\u003c/strong\u003e if you lose your job, take time off for illness or injury, or need to care for a family member. Both you and your employer contribute to EI through payroll deductions.\u003c/p\u003e\u003cp\u003eEI benefits include:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e6db4fde21a1ff9be3b738bb90f00a9ce\"\u003e\n\u003cstrong\u003eRegular Benefits\u003c/strong\u003e – if you lose your job through no fault of your own\u003c/li\u003e\n\u003cli data-list-item-id=\"ef40513dc5a59b01b9c7aac9d24321ec4\"\u003e\n\u003cstrong\u003eSickness Benefits\u003c/strong\u003e – up to \u003cstrong\u003e26 weeks\u003c/strong\u003e if you can’t work due to illness or injury\u003c/li\u003e\n\u003cli data-list-item-id=\"e4f063919b62442458e2d50d24b1f39c0\"\u003e\n\u003cstrong\u003eMaternity and Parental Benefits\u003c/strong\u003e – when welcoming a new child\u003c/li\u003e\n\u003cli data-list-item-id=\"e44244166f4d10e3e20c3a1cebc36cf2c\"\u003e\n\u003cstrong\u003eCaregiving Benefits\u003c/strong\u003e – for supporting critically ill family members\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThe \u003cstrong\u003eMaximum Insurable Earning for 2025 is $65,700\u003c/strong\u003e. This means that any income above $65,700 is not subject to EI contributions, and if you ever need to claim EI benefits, the amount of your EI payments is calculated based on this maximum limit.\u003c/p\u003e\u003cp\u003eYou can apply for EI benefits online through \u003ca href=\"https://www.canada.ca/en/services/benefits/ei.html\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eMy Service Canada Account.\u003c/a\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eTip:\u003c/strong\u003e \u003cstrong\u003eApply for EI as soon as your work ends or your leave begins — waiting longer than 4 weeks may reduce your benefit eligibility.\u003c/strong\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNB.\u003c/strong\u003e Quebec has a provincial program called Quebec Parental Insurance Plan (QPIP) that provides income replacement benefits to parents during maternity, paternity, parental, and adoption leave. QPIP replaces the parental and maternity benefits portion of EI for workers in Quebec.\u003c/p\u003e\u003ch2 id=\"h_01K8XK5VCFGTY56Z8FFXR8DRV6\"\u003eCanada Pension Plan (CPP)\u003c/h2\u003e\u003cp\u003eThe \u003cstrong\u003eCanada Pension Plan (CPP)\u003c/strong\u003e provides income when you retire or if you become disabled. It also offers survivor benefits to your spouse or dependents.\u003c/p\u003e\u003cp\u003eBoth you and your employer contribute to CPP through automatic payroll deductions. Contributions are mandatory for most employees aged 18 to 70.\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e7ab0887997c742c1a7cadfd67933e8d8\"\u003e\n\u003cstrong\u003eContribution rate:\u003c/strong\u003e 5.95% of your pensionable earnings\u003c/li\u003e\n\u003cli data-list-item-id=\"e569d3d9e50255da9b01714dda8d3134c\"\u003e\n\u003cstrong\u003eAnnual maximum (2025) \u003c/strong\u003e: $4,430.10, including CPP (basic deduction) and CPP2 (additional deduction introduced in 2024). \u003c/li\u003e\n\u003cli data-list-item-id=\"e4f8b677cd25c64fa328de00437efbd1b\"\u003e\n\u003cstrong\u003eRetirement age:\u003c/strong\u003e You can start receiving your CPP pension as early as 60 or as late as 70\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eYou can check your CPP contributions or estimate your retirement benefits at \u003ca href=\"https://www.canada.ca/en/services/benefits/publicpensions/cpp.html\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eCanada Pension Plan – Overview.\u003c/a\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eTip:\u003c/strong\u003e Deferring your CPP past age 65 increases your monthly payment.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNB.\u003c/strong\u003e Quebec has a different provincial system called Quebec Pension Plan (QPP). Quebec’s provincial pension plan is similar to the CPP, providing retirement, disability, and survivor benefits funded by contributions from workers and employers in Quebec.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003eThe annual maximum employee contribution for QPP is $4,735.20, including QPP (basic deduction) and QPP2 (additional deduction introduced in 2024).  \u003c/p\u003e\u003ch2 id=\"h_01K8XKJXRE514DPPR4SF137419\"\u003eLife Insurance and Other Supplemental Benefits\u003c/h2\u003e\u003cp\u003eThrough Justworks, employees in Canada are also covered by \u003cstrong\u003egroup life insurance\u003c/strong\u003e provided via Sun Life.\u003c/p\u003e\u003cp\u003eThis coverage helps protect your loved ones by paying a \u003cstrong\u003elump-sum benefit\u003c/strong\u003e to your chosen beneficiary in the event of your death. You’ll have the option to designate your beneficiary during onboarding.\u003c/p\u003e\u003cp\u003eAdditional coverage may include:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e9351acd55931654ea8684270e66b11d1\"\u003e\n\u003cstrong\u003eAccidental death and dismemberment (AD\u0026amp;D)\u003c/strong\u003e insurance\u003c/li\u003e\n\u003cli data-list-item-id=\"ecf07de1bde0025dcda428f060046f7df\"\u003e\n\u003cstrong\u003eLong-term disability (LTD)\u003c/strong\u003e protection for extended illness or injury\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThese benefits are not required by law but are included in Justworks’ supplemental package to provide additional financial security. (if applicable)\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNote:\u003c/strong\u003e If your company is offering these benefits, you’ll receive details about Life Insurance and Other Supplemental benefits during onboarding.\u003c/p\u003e\u003ch2 id=\"h_01K8XK5VCM3RMV94GZWQ63YVGD\"\u003ePublic Holidays in Canada\u003c/h2\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003eEmployees are entitled to paid time off on these days or premium pay if required to work.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003eYou can find below the public holidays for your province:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e8e0b29f5c015ae8672ee7d7b454f8e35\"\u003e\n\u003cstrong\u003eAlberta\u003c/strong\u003e: \u003ca href=\"https://www.alberta.ca/alberta-general-holidays.aspx\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ed6e38b3b4af0ce1231409cf850dc6d0d\"\u003e\n\u003cstrong\u003eBritish Columbia\u003c/strong\u003e: \u003ca href=\"https://www2.gov.bc.ca/gov/content/employment-business/employment-standards-advice/employment-standards/statutory-holidays\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ef594f838461cb1a756a5555dfb7543d9\"\u003e\n\u003cstrong\u003eManitoba\u003c/strong\u003e: \u003ca href=\"https://www.gov.mb.ca/labour/standards/doc,gen-holidays-after-april-30-07,factsheet.html\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ee24cf35a9408ae9492f10e9f148cfe05\"\u003e\n\u003cstrong\u003eNew Brunswick\u003c/strong\u003e: \u003ca href=\"https://www.gnb.ca/en/topic/jobs-workplaces/labour-market-workforce/employment-standards/holiday-vacation.html\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ed751c3ea115610ad9a5c339b9bd9c42f\"\u003e\n\u003cstrong\u003eNewfoundland and Labrador\u003c/strong\u003e:\u003ca href=\"https://www.gov.nl.ca/exec/tbs/policies/working-hours/holidays/2025-paid-holidays/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e \u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e8001de8c50d2489a7605d715f23fa3fd\"\u003e\n\u003cstrong\u003eNorthwest Territories:\u003c/strong\u003e\u003ca href=\"https://canada-holidays.ca/provinces/NT\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e \u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ea2ad89403b64389ee6e362fca608f7a7\"\u003e\n\u003cstrong\u003eNova Scotia\u003c/strong\u003e:\u003ca href=\"https://novascotia.ca/lae/employmentrights/holidaychart.asp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e \u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e7f18e7c5723776b8e998416f04459e95\"\u003e\n\u003cstrong\u003eNunavut\u003c/strong\u003e: \u003ca href=\"https://nu-lsco.ca/faq-s\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e3e03e5bbecf5501738c1dc4c600a8179\"\u003e\n\u003cstrong\u003eOntario\u003c/strong\u003e:\u003ca href=\"https://www.ontario.ca/document/your-guide-employment-standards-act-0/public-holidays\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e \u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e0f95b2c876fb8ab7907209491afb840a\"\u003e\n\u003cstrong\u003ePrince Edward Island\u003c/strong\u003e: \u003ca href=\"https://www.princeedwardisland.ca/en/information/economic-growth-tourism-and-culture/paid-holidays\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e755a35f0978cd8dc72b754d517a41744\"\u003e\n\u003cstrong\u003eQuebec\u003c/strong\u003e: \u003ca href=\"https://www.cnesst.gouv.qc.ca/en/working-conditions/leave/statutory-holidays/list-paid-statutory-holidays\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e5ad63ea03e2a39505c8b2af400232b62\"\u003e\n\u003cstrong\u003eSaskatchewan: \u003c/strong\u003e\u003ca href=\"https://www.saskatchewan.ca/business/employment-standards/public-statutory-holidays/list-of-saskatchewan-public-holidays\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ef4f4db18dfc63fda1e804f061cc6f0e5\"\u003e\n\u003cstrong\u003eYukon: \u003c/strong\u003e\u003ca href=\"https://yukon.ca/en/find-yukon-statutory-holiday\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePublic Holidays\u003c/span\u003e\u003c/a\u003e\n\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01K8XK5VCSPVSTTPD76A4N8HSK\"\u003eKey Takeaways\u003c/h2\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ec47bf6e8f372cc8cc622107cb2fe372e\"\u003ePublic healthcare in Canada covers most essential medical services but excludes many prescription, dental, and vision costs.\u003c/li\u003e\n\u003cli data-list-item-id=\"e66b9a222a7b46702b078635839f10a63\"\u003eJustworks provides supplemental health insurance through \u003cstrong\u003eSun Life\u003c/strong\u003e to help bridge those gaps.\u003c/li\u003e\n\u003cli data-list-item-id=\"ecd2095844313b1abbe588e53157dfcba\"\u003eBoth you and your employer contribute to \u003cstrong\u003eEmployment Insurance (EI)\u003c/strong\u003e and the \u003cstrong\u003eCanada Pension Plan (CPP)\u003c/strong\u003e, which provide income protection and retirement benefits.\u003c/li\u003e\n\u003cli data-list-item-id=\"e4bf5915410661860518084f5be46ceb9\"\u003eLife insurance and additional coverage options (AD\u0026amp;D and LTD) offer extra financial security.\u003c/li\u003e\n\u003cli data-list-item-id=\"eb5f08bfb0f9f91eec54c523bb5d2eca4\"\u003ePublic holidays vary by province — check your location’s official holiday calendar for details\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KCMEC0DT957297Y1TX7YE0XK\"\u003eNeed Help?\u003c/h2\u003e\u003cp\u003eFor more information, visit Canada.ca – Employment and Social Development or contact \u003ca href=\"mailto:international-support@justworks.com\" target=\"_blank\" rel=\"noopener noreferrer\"\u003einternational-support@justworks.com\u003c/a\u003e for help understanding your benefits.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"EI \u003cem\u003ebenefits\u003c/em\u003e include: Regular \u003cem\u003eBenefits\u003c/em\u003e – if you lose your job through no fault of your own Sickness \u003cem\u003eBenefits\u003c/em\u003e – up","result_type":"article"},{"id":360004520811,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004520811.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004520811-Benefits-Classes-and-Waiting-Periods","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":11,"vote_sum":-23,"vote_count":73,"section_id":32936131991195,"created_at":"2018-06-04T18:30:19Z","updated_at":"2026-06-16T19:37:21Z","name":"Benefits Classes and Waiting Periods","title":"Benefits Classes and Waiting Periods","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-16T19:37:21Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01HY5XDQKCWKQM8943269AZKWD","01JXJ4VRF0ADA8X92HDJRV04GV","01KJDVX05VQGSECBKSDP0S2599"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32183932588059\" alt=\"Employer - PEO \u0026amp; Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eThis article is about Justworks PEO and Payroll. \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"01H8282HXKZAXV0R80RJDD5S7W\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat are benefits classes?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome companies want to set \u003c/span\u003e\u003cstrong\u003edifferent contribution amounts\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e or \u003c/span\u003e\u003cstrong\u003edifferent waiting periods\u003c/strong\u003e\u003cspan style=\"font-weight: 400;\"\u003e for different groups of U.S.-based employees. These groups are called benefits classes. \u003cstrong\u003ePlease note a company can only change these classes once annually, during health insurance renewals\u003c/strong\u003e.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEnabling benefits classes is an optional step, and it comes with serious compliance considerations. The majority of our customers \u003c/span\u003e\u003cem\u003e\u003cspan style=\"font-weight: 400;\"\u003edo not\u003c/span\u003e\u003c/em\u003e\u003cspan style=\"font-weight: 400;\"\u003e use benefits classes.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eWatch this short video for a deeper understanding of Benefits Classes:\u003c/span\u003e\u003c/p\u003e\u003cdiv style=\"padding: 56.25% 0 0 0; position: relative;\"\u003e\u003ciframe style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" title=\"4.4-benefits-classes\" src=\"https://player.vimeo.com/video/980779328?badge=0\u0026amp;autopause=0\u0026amp;player_id=0\u0026amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"\u003e\u003c/iframe\u003e\u003c/div\u003e\u003cp\u003e\n\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\n\u003c/p\u003e\u003cp\u003e\n\u003cscript src=\"https://player.vimeo.com/api/player.js\"\u003e\u003c/script\u003e\n\u003c/p\u003e\u003cp class=\"wysiwyg-text-align-center\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVisit our \u003c/em\u003e\u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/p/video-library\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003eVideo Library \u003c/em\u003e\u003c/span\u003e\u003c/a\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cem\u003efor more tutorials\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8282HXKG3SCHWKPTGBTPSEG\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow do I set up benefits classes?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhile selecting group insurance plans your U.S.-based employees will have access to, either for the first time or during your annual renewal, you’ll have the option to manage benefits classes as part of the insurance dashboard. Follow the instructions on that page to turn on benefits classes, edit the names of your different classes, assign each employee to the appropriate class, and finally, set the waiting periods and contribution amounts for each class.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8282HXKK148NJVGNZ3SMSBV\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow am I allowed to group my employees?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eTo protect against discrimination, there are many regulations dictating how employers can group U.S.-based employees in benefits classes. Make sure you understand the rules before enabling them for your company. Please note that if the available benefits, eligibility requirements, and employee premium costs are not the same for all eligible employees, you could put at risk the Section 125 pre-tax benefits for higher-paid employees. Each employer is responsible for ensuring that its insurance class system complies with any applicable nondiscrimination requirements and, if applicable, does not negatively impact the employer’s strategy for complying with the ACA employer mandate.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"01H8282HXKH8KMWKCA1263K2GG\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow can I change an employee's benefits class?\u003c/span\u003e\u003c/h2\u003e\u003ch3 id=\"h_01JWYBRS8DVHH04F2PNF1NHFJ5\"\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eLarge Group Master Policy Plans\u003c/span\u003e\u003c/span\u003e\u003c/h3\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can change a U.S.-based employee's benefits class directly in Justworks by navigating to People \u0026gt; selecting an employee \u0026gt; Settings \u0026gt; and clicking \"Edit benefits class.\"\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1222/258;\" src=\"https://help.justworks.com/hc/article_attachments/51422844184475\" alt=\"Benefits Class IMage.png\" width=\"1222\" height=\"258\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOn the next page, you'll have to select the date for which the benefits class change will go into effect. Keep in mind that since you can only make changes effective for the first of the following month, the dropdown will give you the option to make the change effective as of the first of forthcoming months. Once you select which benefits class to move your employee to, click 'Save' at the bottom.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eYou can also change an employee's benefits class during a compensation change. Learn more about \u003c/span\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/360004527971-Updating-an-Employee-s-Compensation\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUpdating an Employee’s Compensation\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e. \u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01JWYBS1JDANYM2WG825PE4XDM\"\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSmall Group Open Market Plans\u003c/span\u003e\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eBenefit classes for Open Market plans can only be edited during plan selection. Once you’ve clicked Start, you will be able to read more information on the next page and follow the prompts to Add Benefits Class \u0026gt; Name Benefits Class \u0026gt; select your Benefit Class waiting period \u0026gt; and Assign Employees to this new Benefit Class.\u003cspan style=\"background-color: #ffffff; color: #1c1d1f;\"\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eRemember that since you can only make changes effective for the first of the following month, the waiting period section will give you the option to make the change effective as of the first of forthcoming months. \u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e*Setting Benefit Classes Visual Example for Open Market Plans\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 1181/1181;\" src=\"https://help.justworks.com/hc/article_attachments/51422874980251\" alt=\"Benefits Classes in Plan Selection Flow.png\" width=\"1181\" height=\"1181\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e*Setting Benefit Classes Visual Example for Open Market Plans\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cimg src=\"https://help.justworks.com/hc/article_attachments/36059025439643\" alt=\"Add Benefits Classes.png\" width=\"617\" height=\"891\"\u003e\u003c/p\u003e\u003cp\u003e\u003cspan style=\"background-color: #ffffff;\"\u003eOnce you select which benefits class to move your \u003cspan style=\"font-weight: 400;\"\u003eU.S.-based \u003c/span\u003eemployee to, click 'Save' at the bottom. Once all of your plan submissions are sent in, you will need to contact Support to have them reset.\u003c/span\u003e \u003c/p\u003e\u003ch2 id=\"h_01HAMK12C0DCWFT05Y6J4KV818\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhat are waiting periods?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eA waiting period is a set amount of time that must pass from an employee’s date of hire to when that employee becomes eligible to select a health insurance plan. Justworks offers 3 waiting periods to employers when selecting benefits in Justworks including 0 days, 30 days, and 60 days. \u003cstrong\u003eWaiting periods for group health insurance can only be set up during initial company onboarding and during health insurance renewals\u003c/strong\u003e.\u003c/span\u003e\u003c/p\u003e\u003ch2 id=\"h_01HAMK12C1CDYZ5PTNC78Z10RY\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHow do waiting periods work?\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eOnce an employee satisfies their waiting period, they’ll have the opportunity to select their medical, dental, and vision insurance plans in open enrollment. Open enrollment for new hires is 30 days, with plan coverage always becoming effective on the first of the month after the employee’s eligibility date. Let’s look at some examples:\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;\"\u003e1. An employee hired on April 15th with a 0-day waiting period.\u003c/strong\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003eOpen enrollment period\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003e:\u003c/span\u003e April 15th - May 15th\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePlan coverage effective date\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003e:\u003c/span\u003e May 1st\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;\"\u003e2. An employee hired on April 15th with a 30-day waiting period.\u003c/strong\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003eWaiting period satisfied:\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e May 15th\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003eOpen enrollment period:\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e May 15th - June 14th\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePlan coverage effective date\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003e:\u003c/span\u003e June 1st\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;\"\u003e3. An employee hired on April 15th with a 60-day waiting period.\u003c/strong\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003eWaiting period satisfied:\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e June 14th\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003eOpen enrollment period:\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e June 14th - July 14th\u003c/span\u003e\u003c/p\u003e\u003cp class=\"wysiwyg-indent2\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e\u003cspan class=\"wysiwyg-underline\"\u003ePlan Coverage effective date:\u003c/span\u003e\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e July 1st\u003c/span\u003e\u003c/p\u003e\u003ch3 id=\"h_01JWCAV9YEZ3C0ZR3YHJH6WAQS\"\u003eAn Important Note \u003c/h3\u003e\u003cp\u003eWaiting periods are based on when your employee is hired \u003cem\u003eand\u003c/em\u003e becomes benefits eligible, not from the date that an employee may have started working.\u003c/p\u003e\u003cp\u003eIE: If a part time employee who was initially ineligible for benefits becomes a benefits eligible full time employee their waiting period would start on the day they became full time.\u003c/p\u003e\u003ch2 id=\"h_01HAMK12C1CY1NZF9CDHTKBM2R\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eWaiting Periods and Benefits Classes\u003c/span\u003e\u003c/h2\u003e\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmployers may want to set different waiting periods for different groups of employees based on \u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003ebenefits class\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003ees\u003c/span\u003e\u003cspan style=\"font-weight: 400;\"\u003e. Please note that you can only set up benefits classes for your employer-sponsored group health plans during initial company onboarding and during health insurance renewals.\u003c/span\u003e\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"and follow the prompts to Add \u003cem\u003eBenefits\u003c/em\u003e Class \u0026gt; Name \u003cem\u003eBenefits\u003c/em\u003e Class \u0026gt; select your \u003cem\u003eBenefit\u003c/em\u003e Class waiting period \u0026gt; and","result_type":"article"},{"id":360004485092,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/360004485092.json","html_url":"https://help.justworks.com/hc/en-us/articles/360004485092-Benefit-Deductions","author_id":363713680512,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":-4,"vote_count":60,"section_id":32936505729051,"created_at":"2018-06-05T03:30:49Z","updated_at":"2026-09-03T05:54:10Z","name":"Benefit Deductions","title":"Benefit Deductions","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-09-03T05:54:10Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01HWXAD6738ZF6A9TSECPV6JT0","01HY5XDQKCWKQM8943269AZKWD","01JE420XA687X9H7C1FZZFAZKF","01JXJK3CA95EBABX8PM4ZSHQ24","01K0VZKZXHZWTWNQ43J09K4Q6K","01K0VZM6SGSBXCSQFB1T3W9XN4"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/32206763734171\" alt=\"Employee - PEO \u0026amp; Payroll.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks PEO and Payroll. \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01JFWWJW3Q3HD980X108HNPNBW\"\u003eInsurance Billing\u003c/h2\u003e\u003cp\u003eThe employee's insurance deductions occur in the month they are receiving insurance coverage. \u003cbr\u003e\u003cbr\u003eThose on a \u003cstrong\u003esemimonthly\u003c/strong\u003e pay frequency will see their medical, dental, and/or vision deductions split evenly over their two regularly scheduled paychecks in any given month. For example, if both the 15th and 30th of April fall on normal business days, the first half will be deducted on their April 15th payment and the second half will be deducted on their April 30th payment.\u003cbr\u003e\u003cbr\u003eSince employees who are paid on a \u003cstrong\u003ebiweekly\u003c/strong\u003e pay frequency are paid twenty-six times per year, and not twenty-four, there will be certain months in which they are paid three times. In the event that there are 3 biweekly paydays in a given month, employees will see deductions for the first half of premiums on the first paycheck of the month and will be billed for the second half of premiums on the first paycheck \u003cspan class=\"wysiwyg-underline\"\u003eafter\u003c/span\u003e the 15th of the month. \u003c/p\u003e\u003cp\u003eLastly, employees who are paid on a \u003cstrong\u003eweekly\u003c/strong\u003e pay frequency will see their deductions split evenly and taken from the first paycheck of the month and the first paycheck \u003cspan class=\"wysiwyg-underline\"\u003eafter\u003c/span\u003e the 15th of the month. \u003c/p\u003e\u003cp\u003eTo summarize, the employer pays the full cost of insurance upfront during the month prior to coverage and the employees contribute during the month their coverage is active.\u003c/p\u003e\u003ch2 id=\"h_01M1JWDHD111ASWVD052SCKJP8\"\u003eSupplemental Health Benefits\u003c/h2\u003e\u003cp\u003eSupplemental Health Benefits are fully paid for by the employee. Regardless of your payroll frequency (weekly, biweekly, or semimonthly), the full monthly deduction for these benefits will always be taken from of your first regular paycheck of the month. \u003c/p\u003e\u003ch2 id=\"h_01JFWWJW3Q9DX9511Z6TA869CS\"\u003eOptum Financial Commuter Billing\u003c/h2\u003e\u003cp\u003eYour commuter benefit from Optum Financial will be billed on the first pay cycle of the month if you are paid semi-monthly or bi-weekly. If you are paid weekly you will see deductions on your second payroll of the month. The total amount is deducted based on the plan for which you enroll. For pre-tax, your gross pay is deducted from the amount of the plan and then taxes are applied to the remaining gross amount.\u003c/p\u003e\u003ch2 id=\"h_01JFWWJW3QQVQHV3HBPHNX7X01\"\u003eOptum Financial HSA/FSA Billing\u003c/h2\u003e\u003cp\u003eYour HSA deductions from Optum Financial will be billed on the second payroll of the month. FSA deductions from Optum Financial will be billed on each payroll. The amount that is deducted will be based on your yearly contributions broken out into even payments for the remainder of the year.  \u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"their coverage is active. Supplemental Health \u003cem\u003eBenefits\u003c/em\u003e Supplemental Health \u003cem\u003eBenefits\u003c/em\u003e are fully paid for by the employee. Regardless","result_type":"article"},{"id":42827770269723,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/42827770269723.json","html_url":"https://help.justworks.com/hc/en-us/articles/42827770269723-Working-in-the-United-Kingdom-with-Justworks-Health-Benefits-and-Pension-Coverage","author_id":1902289820004,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":42825147318043,"created_at":"2025-10-31T18:18:31Z","updated_at":"2026-07-28T19:17:17Z","name":"Working in the United Kingdom with Justworks: Health, Benefits, and Pension Coverage","title":"Working in the United Kingdom with Justworks: Health, Benefits, and Pension Coverage","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-03-16T13:43:17Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01K8XJHHMECWSPQMR28ZQW4233","01K8XQW2KV201DVKXR9RA7QPE9"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/42827778816795\" alt=\"Employee - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003eAs an employee working in the United Kingdom through Justworks, you’re covered by a combination of public and private programs that protect your health, income, and overall wellbeing. These benefits ensure you can access healthcare, plan for your future, and take protected time off when you’re on holiday, unwell, or caring for your family.\u003c/p\u003e\u003cp\u003eThis series of guides explains your UK benefits and leave entitlements in clear, straightforward language, based on official UK government guidance from\u003ca href=\"https://www.gov.uk/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e GOV.UK\u003c/a\u003e and the\u003ca href=\"https://www.nhs.uk/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e National Health Service (NHS)\u003c/a\u003e.\u003c/p\u003e\u003ch2 id=\"h_01K8XQEDTFQAM8B7HKDZHWBSD1\"\u003eWhat You’ll Find in This Series\u003c/h2\u003e\u003cp\u003e\u003cstrong\u003eHealth, Benefits, and Pension Coverage\u003c/strong\u003e\u003cbr\u003eLearn about the UK’s National Health Service (NHS), your private Bupa medical and dental coverage, and how life insurance, income protection, and pension contributions through Justworks and Smart Pension help support your financial security.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eLeave and Sick Pay\u003c/strong\u003e\u003cbr\u003eUnderstand your rights to annual leave, public holidays, and Statutory Sick Pay (SSP) — including how leave accrues, how sick pay works, and where to find official forms and guidance.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eFamily and Parental Leave\u003c/strong\u003e\u003cbr\u003eExplore your entitlements to maternity, paternity, adoption, shared parental, and parental bereavement leave — including pay details, eligibility rules, and how to apply for each type of leave.\u003c/p\u003e\u003ch2 id=\"h_01K8XQEDTKAF7PYEYQZB7D7YYB\"\u003eHealth Benefits\u003c/h2\u003e\u003ch3 id=\"h_01KCMFVBV373EVHDTWBMY7ZN25\"\u003eThe National Health Service (NHS)\u003c/h3\u003e\u003cp\u003eThe UK operates a \u003cstrong\u003epublicly funded healthcare system\u003c/strong\u003e, the \u003cstrong\u003eNational Health Service (NHS)\u003c/strong\u003e, which provides most medical care free of charge at the point of use.\u003c/p\u003e\u003cp\u003eAs a resident employee in the UK, you have access to NHS services, including:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e08a56a192221098503afa9afa25bdbf3\"\u003eVisits to general practitioners (GPs)\u003c/li\u003e\n\u003cli data-list-item-id=\"e4277c6a3304548a91053fa793dd37d90\"\u003eHospital and emergency treatment\u003c/li\u003e\n\u003cli data-list-item-id=\"eb735aeb7babce8baa8aecd080b549f89\"\u003eMaternity care\u003c/li\u003e\n\u003cli data-list-item-id=\"e417857e92a38c3c2cd9bda2f3e85a787\"\u003ePrescriptions (subject to a standard charge in England; free in Scotland, Wales, and Northern Ireland)\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eIf you’re relocating to the UK, you must typically pay the \u003cstrong\u003eImmigration Health Surcharge (IHS)\u003c/strong\u003e as part of your visa application. This gives you full access to NHS care during your stay.\u003c/p\u003e\u003cp\u003eYou can learn more about NHS services at\u003ca href=\"https://www.nhs.uk/using-the-nhs/nhs-services/visiting-or-moving-to-england/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e NHS.uk\u003c/a\u003e.\u003c/p\u003e\u003ch3 id=\"h_01KCMFVH71WHT32S9FGEMHRYCW\"\u003eSupplemental Private Medical Insurance\u003c/h3\u003e\u003cp\u003eIn addition to NHS coverage, Justworks provides \u003cstrong\u003eprivate health insurance\u003c/strong\u003e through \u003cstrong\u003eBupa\u003c/strong\u003e, offering faster access to care and additional services not covered by the public system.\u003c/p\u003e\u003cp\u003eThis supplemental plan may include:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e8893ada9c221406277d714725fbe24c9\"\u003ePrivate hospital and specialist treatment\u003c/li\u003e\n\u003cli data-list-item-id=\"e36be2f99b6093f4643660868a6c67f6b\"\u003eDiagnostic tests and scans\u003c/li\u003e\n\u003cli data-list-item-id=\"e5b817172d5c7f95be8ee41a50748f934\"\u003eMental health care and therapy\u003c/li\u003e\n\u003cli data-list-item-id=\"ebdd6084ebcbabe9f3dfd53c106732e2b\"\u003eCancer treatment\u003c/li\u003e\n\u003cli data-list-item-id=\"eb78677818a5cd5b8b1803d4da78c52eb\"\u003eOutpatient services and consultations\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eEmployees are automatically enrolled in the Bupa \u003cstrong\u003eSelect Complete\u003c/strong\u003e plan. Dependent coverage is available at the customer’s discretion and includes options for single-parent, couple, and family coverage.\u003c/p\u003e\u003cp\u003ePrivate healthcare through Bupa is \u003cstrong\u003e100% employer-paid\u003c/strong\u003e, but the premium is considered a \u003cstrong\u003etaxable benefit-in-kind\u003c/strong\u003e.\u003c/p\u003e\u003ch3 id=\"h_01KCMFW8B0EFBX1NY36ZDGRW0N\"\u003eSupplemental Dental Coverage\u003c/h3\u003e\u003cp\u003eJustworks also offers dental insurance through \u003cstrong\u003eBupa Dental\u003c/strong\u003e, covering a range of preventive and restorative treatments.\u003c/p\u003e\u003cp\u003eTypical coverage includes:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"eb4b3dc132af46b92432899f9513dbc56\"\u003eRoutine examinations\u003c/li\u003e\n\u003cli data-list-item-id=\"ed892e06e6dadc136ec33e7f0d0c176a3\"\u003eX-rays and diagnostic scans\u003c/li\u003e\n\u003cli data-list-item-id=\"e3da3008545cb925ddb5abe80938d935a\"\u003eScale and polish treatments\u003c/li\u003e\n\u003cli data-list-item-id=\"e5c62bd075e9de23855bb54f3b1b7402c\"\u003ePeriodontal (gum) care\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThis coverage is also \u003cstrong\u003e100% employer-paid\u003c/strong\u003e, though it is taxable to employees.\u003c/p\u003e\u003cp\u003eYou can find plan options (Choice 3 or Choice 4) through Bupa Dental.\u003c/p\u003e\u003ch2 id=\"h_01K8XQEDV1CZNAV7JCP7G6JX02\"\u003eOther Insurance Benefits\u003c/h2\u003e\u003ch3 id=\"h_01KCMFWEYZSN61Y5DNN0SJQ0CE\"\u003eLife Insurance\u003c/h3\u003e\u003cp\u003eAll eligible employees in the UK are automatically enrolled in group \u003cstrong\u003eLife Insurance\u003c/strong\u003e coverage through \u003cstrong\u003eUnum\u003c/strong\u003e, one of the UK’s leading life assurance providers.\u003c/p\u003e\u003cp\u003eThis policy provides a \u003cstrong\u003elump-sum benefit equal to 4x your annual salary\u003c/strong\u003e, payable to your nominated beneficiary in the event of your death.\u003c/p\u003e\u003cp\u003eThere’s no medical questionnaire or application process, and the benefit is \u003cstrong\u003enot taxed as a P11D (benefit in kind)\u003c/strong\u003e. Coverage begins immediately upon joining the plan.\u003c/p\u003e\u003ch3 id=\"h_01KCMFWK2WN30V0XGFHY481H8H\"\u003eIncome Protection\u003c/h3\u003e\u003cp\u003eEmployees are also enrolled in \u003cstrong\u003eIncome Protection Insurance\u003c/strong\u003e (through Unum) to protect against long-term loss of income due to illness or injury.\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e6ecc9e2b4b6ba84537df722cdeb60846\"\u003ePays \u003cstrong\u003e75% of your annual salary\u003c/strong\u003e for up to 60 months if you’re unable to work.\u003c/li\u003e\n\u003cli data-list-item-id=\"e7b6b54b126d25255390e8a3731b337ca\"\u003eBegins after a \u003cstrong\u003e26-week absence period\u003c/strong\u003e.\u003c/li\u003e\n\u003cli data-list-item-id=\"e7565a5f351b207ea6df97f664de406ba\"\u003eCovers employees between the ages of 16 and the state pension age.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eLike life insurance, this benefit is not taxable and automatically begins upon enrollment.\u003c/p\u003e\u003ch2 id=\"h_01K8XQEDVDB0ZV730N5GKYP80K\"\u003ePensions and Retirement\u003c/h2\u003e\u003ch3 id=\"h_01KCMFWRPGG9MAZYVA27K0Z5TH\"\u003eWorkplace Pension\u003c/h3\u003e\u003cp\u003eUnder UK law, employers must provide employees with access to a \u003cstrong\u003eworkplace pension scheme\u003c/strong\u003e.\u003cbr\u003eThrough Justworks, employees are automatically enrolled in a pension plan managed by \u003cstrong\u003eSmart Pension\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003eYou and your employer both contribute to your pension:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e2f7f8384e8a38665f4dc285b20d4bb84\"\u003eEmployee contribution: \u003cstrong\u003eminimum 5%\u003c/strong\u003e of qualifying earnings.\u003c/li\u003e\n\u003cli data-list-item-id=\"e5c0a50469e67da7c320e5d44a82365c8\"\u003eEmployer contribution: \u003cstrong\u003eminimum 3%\u003c/strong\u003e of qualifying earnings.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eYou can choose to increase your contributions at any time or opt out within 30 days of enrollment.\u003c/p\u003e\u003cp\u003eOnce you’ve contributed for a period of time, the funds in your pension pot belong to you. You can manage your account directly through the \u003cstrong\u003eSmart Pension Portal\u003c/strong\u003e, including transferring in or out of previous pensions.\u003c/p\u003e\u003cp\u003eTo contact Smart Pension, call \u003cstrong\u003e0333 666 2626\u003c/strong\u003e or use the\u003ca href=\"https://www.smartpension.co.uk/contact-forms/member\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e Smart Pension contact form\u003c/a\u003e.\u003c/p\u003e\u003ch3 id=\"h_01KCMFWWHXAWW1F9QJ9VSERGZ5\"\u003eState Pension\u003c/h3\u003e\u003cp\u003eIn addition to your workplace pension, all employees contribute to the UK’s \u003cstrong\u003eState Pension\u003c/strong\u003e through \u003cstrong\u003eNational Insurance (NI)\u003c/strong\u003e contributions.\u003c/p\u003e\u003cp\u003eYou’ll be eligible to receive the State Pension once you reach the \u003cstrong\u003eState Pension age\u003c/strong\u003e and have made sufficient contributions — currently, at least \u003cstrong\u003e10 qualifying years\u003c/strong\u003e of National Insurance payments for any pension, and \u003cstrong\u003e35 years\u003c/strong\u003e for the full amount.\u003c/p\u003e\u003cp\u003eAs of 2025, the \u003cstrong\u003efull new State Pension\u003c/strong\u003e is \u003cstrong\u003e£230.25 per week\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003eYou can check your State Pension forecast or contribution record at GOV.UK – Check Your State Pension.\u003c/p\u003e\u003ch3 id=\"h_01KCMFX7YFBR0V647X1N1PN3Z0\"\u003eSocial Security and National Insurance\u003c/h3\u003e\u003cp\u003eNational Insurance (NI) contributions are automatically deducted from your pay. These contributions fund a variety of public benefits, including:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e3e5c26631b5851b74c842ce273e4f5f7\"\u003eState Pension\u003c/li\u003e\n\u003cli data-list-item-id=\"e14d3597b9ce8589610f33c680e0a6278\"\u003eNational Health Service (NHS)\u003c/li\u003e\n\u003cli data-list-item-id=\"efe57c3868e3f8311636c892af71306c7\"\u003eStatutory Maternity, Paternity, and Sick Pay\u003c/li\u003e\n\u003cli data-list-item-id=\"e6b2a90860174964651efb37c45935088\"\u003eUnemployment and disability benefits\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eThe standard \u003cstrong\u003eemployee NI rate\u003c/strong\u003e is \u003cstrong\u003e8%\u003c/strong\u003e on earnings between £12,570 and £50,270, and \u003cstrong\u003e2%\u003c/strong\u003e on earnings above that amount.\u003cbr\u003eEmployers contribute an additional \u003cstrong\u003e15%\u003c/strong\u003e on employee earnings above £5000.\u003c/p\u003e\u003cp\u003eYou can learn more about National Insurance at GOV.UK – National Insurance.\u003c/p\u003e\u003ch2 id=\"h_01K8XQEDVNHRN8Z8D2P9WR7GKH\"\u003eKey Takeaways\u003c/h2\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e26a402c57a18ba387142da8707a9e3e9\"\u003eThe \u003cstrong\u003eNHS\u003c/strong\u003e provides free public healthcare, while Justworks’ \u003cstrong\u003eBupa\u003c/strong\u003e coverage offers faster access to private care.\u003c/li\u003e\n\u003cli data-list-item-id=\"e6591b75e606348d34b963eaddd958930\"\u003e\n\u003cstrong\u003eDental coverage\u003c/strong\u003e is available through Bupa as employer-paid, taxable benefits.\u003c/li\u003e\n\u003cli data-list-item-id=\"e85fdc5704be432eae9501479b696fc66\"\u003eEmployees are automatically enrolled in \u003cstrong\u003eLife Insurance\u003c/strong\u003e and \u003cstrong\u003eIncome Protection\u003c/strong\u003e plans through Unum.\u003c/li\u003e\n\u003cli data-list-item-id=\"eddd8ea3fbd91c87046f509f16709cc8c\"\u003eYou contribute to both a \u003cstrong\u003eworkplace pension\u003c/strong\u003e (Smart Pension) and the \u003cstrong\u003eState Pension\u003c/strong\u003e via National Insurance.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eFor more information about your health, pension, and insurance benefits, visit\u003ca href=\"https://www.gov.uk/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e GOV.UK\u003c/a\u003e or contact \u003cstrong\u003eJustworks Support\u003c/strong\u003e.\u003c/p\u003e\u003ch2 id=\"h_01KCMFXVN7A6C2KT4ERX1EX0JQ\"\u003eNeed Help?\u003c/h2\u003e\u003cp\u003eIf you have questions about your benefits or time-off entitlements, you can reach out to \u003ca href=\"mailto:international-support@justworks.com\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cstrong\u003einternational-support@justworks.com\u003c/strong\u003e\u003c/a\u003e\u003cstrong\u003e \u003c/strong\u003efor assistance.\u003c/p\u003e\u003cp\u003eFor official information about statutory rights in the UK, visit the GOV.UK Employment Rights portal.\u003c/p\u003e\u003cp\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"questionnaire or application process, and the \u003cem\u003ebenefit\u003c/em\u003e is not taxed as a P11D (\u003cem\u003ebenefit\u003c/em\u003e in kind). Coverage begins immediately upon","result_type":"article"},{"id":48508592242459,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/48508592242459.json","html_url":"https://help.justworks.com/hc/en-us/articles/48508592242459-Common-Questions-Canada-Supplemental-Benefits-Renewal-2026-2027","author_id":1265634058929,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":38079609929755,"created_at":"2026-03-31T13:16:55Z","updated_at":"2026-07-28T19:17:13Z","name":"Common Questions: Canada Supplemental Benefits Renewal 2026-2027","title":"Common Questions: Canada Supplemental Benefits Renewal 2026-2027","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-03-31T13:21:39Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01JXJ4VRF0ADA8X92HDJRV04GV","01K8XJHHMECWSPQMR28ZQW4233","01K8XNKJ10ECCK83R191T0DA4H"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/48508592239643\" alt=\"Employer - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01KN20HM5X486T1SS07GYM9BKD\"\u003eOverview\u003c/h2\u003e\u003cp\u003eIf you have employees working in Canada through Justworks’ Employer of Record (EOR), your benefits are designed to provide reliable, locally compliant coverage without requiring you to manage the complexity behind the scenes.\u003c/p\u003e\u003cp\u003eEach year, Justworks reviews and renews your benefits plan with our insurance partner, Sun Life. This helps to ensure coverage keeps pace with rising healthcare costs, evolving workforce needs, and Canadian market standards while continuing to provide strong, consistent protection for employees and their families.\u003c/p\u003e\u003cp\u003eYour \u003cstrong\u003e2026 benefits renewal takes effect on April 1, 2026\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003eIn this guide, you’ll learn:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e13fa1ed53b34b5fd924ec3ca64c7594d\"\u003eWhat a benefits renewal is and why it happens\u003c/li\u003e\n\u003cli data-list-item-id=\"eea659101bf9a37b94f8a558f6e788bce\"\u003eWhat’s changing this year (and what’s not)\u003c/li\u003e\n\u003cli data-list-item-id=\"ec45f20ea3e16e5e05f69e9c8914bda2c\"\u003eHow premiums are determined\u003c/li\u003e\n\u003cli data-list-item-id=\"ef5f2cf72f1e6a9ef9b721d430ec50a15\"\u003eWhat employers and employees can expect going forward\u003c/li\u003e\n\u003c/ul\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNote:\u003c/strong\u003e Coverage should continue without interruption and should not require action from employers or employees.\u003c/p\u003e\u003ch2 id=\"h_01KN20HM63PPZM9CTPDBZ70KQ6\"\u003eWhat’s New for 2026\u003c/h2\u003e\u003cp\u003eThis year’s renewal includes enhancements based on employee feedback, including:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e17801f4307512d7e57616099bf5748b8\"\u003eExpanded dental coverage, including orthodontics for employees and eligible dependents\u003c/li\u003e\n\u003cli data-list-item-id=\"e92af0e09a47937e6900d7a76666a16ff\"\u003eAdditional mental health plan offerings\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KN20HM645EQKHHM2HFSSSE4G\"\u003eWhat Does a “Benefits Renewal” Mean?\u003c/h2\u003e\u003cp\u003eA benefits renewal is an annual review between your employer and the insurance provider (Sun Life).\u003c/p\u003e\u003cp\u003eDuring this process, insurers evaluate:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e6ce06578758305a87ae9396b8a4d03ed\"\u003eHow much the plan was used (\u003cstrong\u003eclaims activity\u003c/strong\u003e)\u003c/li\u003e\n\u003cli data-list-item-id=\"e58f9458825132920ef8087154c5442e4\"\u003eChanges in healthcare costs\u003c/li\u003e\n\u003cli data-list-item-id=\"e1cdc13f4be6c13bc9301afa78d9dfb12\"\u003eBroader insurance market trends\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eBased on this review, premiums may be adjusted for the upcoming year.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eNote\u003c/strong\u003e: A renewal does \u003cstrong\u003enot\u003c/strong\u003e mean your benefits are changing it simply ensures pricing stays aligned with real-world costs.\u003c/p\u003e\u003ch2 id=\"h_01KN20HM66B5V8W8Y26ZH36H8B\"\u003eWhat’s Staying the Same in 2026\u003c/h2\u003e\u003cp\u003eThere are no changes to the core benefits experience, including your provider network, claims process, or overall coverage structure. Employees will continue to have access to:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e734c55e654afb8b40736121262327918\"\u003eThe same \u003cstrong\u003eSun Life coverage\u003c/strong\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"e43b4490064f01cd1e0384d7cb7744442\"\u003eThe same \u003cstrong\u003eprovider network\u003c/strong\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"efe38698266ebb8793a15cc0e40b0882f\"\u003eThe same \u003cstrong\u003eclaims process and tools\u003c/strong\u003e\n\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eEmployees can continue to:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ea3fda7b974e4093a495ed81efb465518\"\u003eSubmit claims as usual\u003c/li\u003e\n\u003cli data-list-item-id=\"e16658700beea62131a62963a42d6bf0f\"\u003eAccess your benefits through Sun Life\u003c/li\u003e\n\u003cli data-list-item-id=\"e92f6f54d06303bd92d6b5d1979ee1266\"\u003eUse all included services without interruption\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KN20HM696ARV7RV21CDY087Q\"\u003eDo employers or employees need to take any action?\u003c/h2\u003e\u003cp\u003eNo action should be required.\u003c/p\u003e\u003cp\u003eCoverage will:\u003c/p\u003e\u003cul\u003e\u003cli data-list-item-id=\"e9d8c189b31d8dc6215de095e7ab229a2\"\u003e\n\u003cstrong\u003eAutomatically renew on April 1, 2026\u003c/strong\u003e\u003cbr\u003eContinue without any gaps or disruptions\u003c/li\u003e\u003c/ul\u003e\u003cul\u003e\u003cli data-list-item-id=\"e4571ead883458ab7bc5c5cfc338ac170\"\u003eEmployees can continue using their existing Sun Life insurance cards, which remain accessible through the Sun Life portal.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eEmployees can still make updates at any time, including:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"eb7b3f01a8993ed1d0f2f5f7956e39ffc\"\u003eSubmitting Qualifying Life Events (QLEs)\u003c/li\u003e\n\u003cli data-list-item-id=\"e60a3cb211f88479de04aa892049848a5\"\u003eUpdating your beneficiaries\u003c/li\u003e\n\u003cli data-list-item-id=\"e31dc77b5a26b318c6dff775bb1812fb3\"\u003eChoosing to waive coverage (by submitting a refusal form)\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KN20HM6B40J4YDHTFZ89J9AG\"\u003eWhy Do Premiums Change?\u003c/h2\u003e\u003cp\u003ePremium changes are a normal part of annual renewals across all insurance plans. Several factors influence pricing:\u003c/p\u003e\u003ch3 id=\"h_01KN20HM6BGK9DR8EMG4492A0A\"\u003e\u003cspan style=\"color: #434343;\"\u003eClaims Usage\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eIf more healthcare services are used (e.g., prescriptions, specialist visits), overall plan costs increase.\u003c/p\u003e\u003ch3 id=\"h_01KN20HM6CDJ25J6YNJ5GT1RTF\"\u003e\u003cspan style=\"color: #434343;\"\u003eHealthcare Costs \u0026amp; Inflation\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eThe cost of medical care, medications, and services continues to rise each year.\u003c/p\u003e\u003ch3 id=\"h_01KN20HM6CKHBMKR50610NK1GB\"\u003e\u003cspan style=\"color: #434343;\"\u003eWorkforce Demographics\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eFactors like average age and family coverage levels can impact total risk and pricing.\u003c/p\u003e\u003ch3 id=\"h_01KN20HM6DTFA7K3F9VHPF11X7\"\u003e\u003cspan style=\"color: #434343;\"\u003eInsurance Market Trends\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eInsurers adjust pricing based on broader industry patterns and risk assessments.\u003c/p\u003e\u003ch3 id=\"h_01KN20HM6D1FSH2E7XHRX4QS5W\"\u003e\u003cspan style=\"color: #434343;\"\u003ePlan Design\u003c/span\u003e\u003c/h3\u003e\u003cp\u003eThe type and level of benefits offered also affect cost.\u003c/p\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003eTip: Justworks works closely with insurance carriers to balance \u003cstrong\u003ecost control\u003c/strong\u003e with \u003cstrong\u003ehigh-quality coverage\u003c/strong\u003e.\u003c/p\u003e\u003ch2 id=\"h_01KN20HM6EJCRDY9789A48879J\"\u003eHow are health benefit premiums paid?\u003c/h2\u003e\u003cp\u003eUnder the Canada EOR model:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e7ec83bf96c41c8d42394973db7ed3c9c\"\u003eEmployers pay 100% of health benefit premiums\u003c/li\u003e\n\u003cli data-list-item-id=\"e3f8f3e708f00ee30f601cd029620ad09\"\u003eEmployees do not pay premiums through payroll deductions\u003c/li\u003e\n\u003c/ul\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003e\u003cstrong\u003eImportant\u003c/strong\u003e: In some provinces, employer-paid premiums may be considered \u003cstrong\u003etaxable income\u003c/strong\u003e, which could affect your take-home pay slightly.\u003c/p\u003e\u003ch2 id=\"h_01KN20HM6FPVP6AWWKVEGM4BCE\"\u003eWhat About Life and Disability Benefits?\u003c/h2\u003e\u003cp\u003eAdditional benefits such as:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"ee43ca8d3db4892f9a1977bf420039223\"\u003eCritical Illness\u003c/li\u003e\n\u003cli data-list-item-id=\"e758553004b49927df1b87f19526a4035\"\u003eBasic Life and Dependent Life\u003c/li\u003e\n\u003cli data-list-item-id=\"ef8f3088f1515fc65a5ada068320c0003\"\u003eAD\u0026amp;D\u003c/li\u003e\n\u003cli data-list-item-id=\"efb1405a1f716650d6a85a0c2cc9b15f2\"\u003eShort-Term Disability (STD)\u003c/li\u003e\n\u003cli data-list-item-id=\"ef49675d614490818b14a1d3e059ffaf2\"\u003eLong-Term Disability (LTD)\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003e…will continue without changes.\u003c/p\u003e\u003cp\u003ePremiums for these benefits:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e8866d3c8afb3c4ce16aa9253fdb15429\"\u003eAre based on an employee’s \u003cstrong\u003esalary\u003c/strong\u003e\n\u003c/li\u003e\n\u003cli data-list-item-id=\"ec80c4a82528c642e0a65c2ee94d0a688\"\u003eMay increase slightly (approximately \u003cstrong\u003e3–5%\u003c/strong\u003e)\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01KN20HM6H5323JV5EP8ZS2PSD\"\u003eWhat to Expect in Future Renewals\u003c/h2\u003e\u003cp\u003eBenefit renewals happen every year, and future changes may depend on:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e9c4e00bcaa74d5b4e0fb07960ca335fc\"\u003eHow much the plan is used (claims experience)\u003c/li\u003e\n\u003cli data-list-item-id=\"e95130775fb58bbac6e0c2103baf86489\"\u003eChanges in employee demographics\u003c/li\u003e\n\u003cli data-list-item-id=\"e39c8e0e638e8ed759b974c92b2769f9a\"\u003eOngoing healthcare cost trends\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eJustworks actively:\u003c/p\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e1469a72c51b0445e134cebb41e40ad4c\"\u003eReviews market conditions\u003c/li\u003e\n\u003cli data-list-item-id=\"e07b8df2ec5a79518ad5ff766b2a52e45\"\u003eNegotiates with carriers\u003c/li\u003e\n\u003cli data-list-item-id=\"e52a21824eb2957bbc863a2172da22456\"\u003eWorks to maintain strong, stable coverage over time\u003c/li\u003e\n\u003c/ul\u003e\u003cp class=\"wysiwyg-indent0.8333333333333334\"\u003eTip: Starting in 2026, employers may have more flexibility in how benefits are structured year to year, which can help employers manage long-term costs.\u003c/p\u003e\u003ch2 id=\"h_01KN20HM6K0EFT08TJVMV8D4YT\"\u003eKey Takeaways\u003c/h2\u003e\u003cul\u003e\n\u003cli data-list-item-id=\"e45429deef67b2a2baf84c2a4300eb7d0\"\u003eA benefits renewal is a \u003cstrong\u003estandard annual process\u003c/strong\u003e, not a disruption.\u003c/li\u003e\n\u003cli data-list-item-id=\"ed64bac38f8c8e8c7dbaa1851456161d7\"\u003eCoverage, provider access, and the overall claims experience \u003cstrong\u003eremain consistent\u003c/strong\u003e, with \u003cstrong\u003eenhancements added\u003c/strong\u003e to expand certain benefits.\u003c/li\u003e\n\u003cli data-list-item-id=\"e8dd9fef547bccd966f41fc48b1caf757\"\u003e\n\u003cstrong\u003eNo action should be required for employers and employees\u003c/strong\u003e — benefits renew automatically.\u003c/li\u003e\n\u003c/ul\u003e\u003cp\u003eSmall premium increases reflect \u003cstrong\u003eindustry-wide healthcare trends.\u003c/strong\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"families. Your 2026 \u003cem\u003ebenefits\u003c/em\u003e renewal takes effect on April 1, 2026. In this guide, you’ll learn: What a \u003cem\u003ebenefits\u003c/em\u003e renewal is and","result_type":"article"},{"id":38085955963291,"url":"https://justworkshelp.zendesk.com/api/v2/help_center/en-us/articles/38085955963291.json","html_url":"https://help.justworks.com/hc/en-us/articles/38085955963291-Hiring-in-Canada-with-Justworks-101-Benefits-Labor-Laws-Compliance-Guide","author_id":1902289820004,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":38079609929755,"created_at":"2025-06-17T18:39:49Z","updated_at":"2026-07-28T19:17:16Z","name":"Hiring in Canada with Justworks 101: Benefits, Labor Laws \u0026 Compliance Guide","title":"Hiring in Canada with Justworks 101: Benefits, Labor Laws \u0026 Compliance Guide","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-01-07T15:21:11Z","user_segment_id":null,"permission_group_id":478692,"content_tag_ids":["01J5DSMSE0P2KPPFR8SGRVNW0Z","01K8XJHHMECWSPQMR28ZQW4233","01K8XNKJ10ECCK83R191T0DA4H"],"label_names":[],"body":"\u003cfigure class=\"wysiwyg-image\"\u003e\u003cimg style=\"aspect-ratio: 958/197;\" src=\"https://help.justworks.com/hc/article_attachments/38181900272283\" alt=\"Employer - EOR.svg\" width=\"958\" height=\"197\"\u003e\u003c/figure\u003e\u003cp\u003e\u003cem\u003eThis article is about Justworks EOR (Employer of Record). \u003c/em\u003e\u003ca href=\"https://help.justworks.com/hc/en-us/articles/25282375657883\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e\u003cem\u003eWhat product am I using?\u003c/em\u003e\u003c/a\u003e\u003c/p\u003e\u003ch2 id=\"h_01JY6XZ7CT8TW0XJ209R749ZBZ\"\u003ePublic Health Coverage\u003c/h2\u003e\u003cp data-start=\"249\" data-end=\"390\"\u003eIn Canada, employers are not required to offer private health insurance. Instead, healthcare is funded and administered by the public system.\u003c/p\u003e\u003ch3 id=\"h_01JYHZ91JZ27GZ4E8KW50RFYGY\"\u003eCanada’s healthcare system is:\u003c/h3\u003e\u003cul data-start=\"424\" data-end=\"681\"\u003e\n\u003cli data-start=\"424\" data-end=\"491\"\u003e\n\u003cstrong data-start=\"426\" data-end=\"439\"\u003eUniversal\u003c/strong\u003e: Every citizen and permanent resident is covered.\u003c/li\u003e\n\u003cli data-start=\"492\" data-end=\"549\"\u003e\n\u003cstrong data-start=\"494\" data-end=\"513\"\u003ePublicly funded\u003c/strong\u003e: Services are paid through taxes.\u003c/li\u003e\n\u003cli data-start=\"550\" data-end=\"681\"\u003e\n\u003cstrong data-start=\"552\" data-end=\"569\"\u003eDecentralized\u003c/strong\u003e: Each province and territory administers its own health plan, but receives support from the federal government.\u003c/li\u003e\n\u003c/ul\u003e\u003ch3 id=\"h_01JYHZ95A57AR2XCY8C8WC82H9\"\u003ePublic health plans typically cover:\u003c/h3\u003e\u003cul data-start=\"721\" data-end=\"789\"\u003e\n\u003cli data-start=\"721\" data-end=\"738\"\u003eDoctor visits\u003c/li\u003e\n\u003cli data-start=\"739\" data-end=\"756\"\u003eHospital care\u003c/li\u003e\n\u003cli data-start=\"757\" data-end=\"789\"\u003eMedically necessary procedures\u003c/li\u003e\n\u003c/ul\u003e\u003cp data-start=\"791\" data-end=\"925\"\u003ePrescription drugs, dental and vision care, and mental health services are excluded or only partially covered under the public system.\u003c/p\u003e\u003ch2 id=\"h_01JXZN6VZR00TX54EYH88BYGM0\" data-start=\"927\" data-end=\"958\"\u003eSupplemental Health Coverage\u003c/h2\u003e\u003cp data-start=\"960\" data-end=\"1168\"\u003eTo attract and retain top talent, many Canadian employers—including Justworks—offer supplemental health insurance. Justworks partners with Sun Life to provide access to additional coverage, which may include:\u003c/p\u003e\u003cul data-start=\"1170\" data-end=\"1315\"\u003e\n\u003cli data-start=\"1170\" data-end=\"1197\"\u003ePrescription medication\u003c/li\u003e\n\u003cli data-start=\"1198\" data-end=\"1224\"\u003eDental and vision care\u003c/li\u003e\n\u003cli data-start=\"1225\" data-end=\"1251\"\u003eMental health services\u003c/li\u003e\n\u003cli data-start=\"1252\" data-end=\"1315\"\u003eParamedical services (e.g., physiotherapy, chiropractic care)\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01JXZN6VZR5Y8KM1XXN695H63J\" data-start=\"1317\" data-end=\"1348\"\u003eStatutory Insurance Benefits\u003c/h2\u003e\u003cp data-start=\"1350\" data-end=\"1566\"\u003eBeyond public healthcare, employers are not required to provide other insurance benefits. However, they must contribute to federally mandated programs like Employment Insurance (EI) and the Canada Pension Plan (CPP).\u003c/p\u003e\u003ch3 id=\"h_01JXZN6VZRF43CTF4F7RF6WVC2\" data-start=\"1568\" data-end=\"1597\"\u003eEmployment Insurance (EI)\u003c/h3\u003e\u003cp data-start=\"1599\" data-end=\"1630\"\u003eEI provides income support for:\u003c/p\u003e\u003cul data-start=\"1632\" data-end=\"1716\"\u003e\n\u003cli data-start=\"1632\" data-end=\"1658\"\u003eJob loss (involuntary)\u003c/li\u003e\n\u003cli data-start=\"1659\" data-end=\"1680\"\u003eIllness or injury\u003c/li\u003e\n\u003cli data-start=\"1681\" data-end=\"1716\"\u003eParental or compassionate leave\u003c/li\u003e\n\u003c/ul\u003e\u003cp data-start=\"1718\" data-end=\"1783\"\u003eEI is a mandatory payroll deduction along with CPP contributions.\u003c/p\u003e\u003ch3 id=\"h_01JYHZ9D36TNG1CVMHNGF0V7YC\"\u003e\u003cstrong data-start=\"1785\" data-end=\"1803\"\u003e2024 EI Rates:\u003c/strong\u003e\u003c/h3\u003e\u003cdiv class=\"_tableContainer_16hzy_1\"\u003e\u003cdiv class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"\u003e\u003cdiv class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"\u003e\n\u003cdiv class=\"absolute end-0 flex items-end\"\u003e\u003cfigure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"height: 192px; width: 69.1428%;\"\u003e\u003ctable style=\"border-collapse: collapse; border-style: solid; border-width: 1px;\"\u003e\n\u003cthead\u003e\u003ctr data-start=\"1805\" data-end=\"1858\"\u003e\n\u003cth style=\"border-style: solid; border-width: 1px; text-align: center; width: 58.2857%;\" class=\"wysiwyg-indent1\" data-start=\"1805\" data-end=\"1834\" data-col-size=\"sm\"\u003eType\u003c/th\u003e\n\u003cth style=\"border-style: solid; border-width: 1px; text-align: center; width: 41.5714%;\" data-start=\"1834\" data-end=\"1858\" data-col-size=\"sm\"\u003e  Amount\u003c/th\u003e\n\u003c/tr\u003e\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-start=\"1913\" data-end=\"1966\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 58.2857%;\" data-start=\"1913\" data-end=\"1942\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  Max Insurable Earnings\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 41.5714%;\" data-col-size=\"sm\" data-start=\"1942\" data-end=\"1966\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  $63,200\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr data-start=\"1967\" data-end=\"2020\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 58.2857%;\" data-start=\"1967\" data-end=\"1996\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  Employee Contribution Rate\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 41.5714%;\" data-col-size=\"sm\" data-start=\"1996\" data-end=\"2020\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  1.66%\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr data-start=\"2021\" data-end=\"2074\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 58.2857%;\" data-start=\"2021\" data-end=\"2050\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  Employer Contribution Rate\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 41.5714%;\" data-col-size=\"sm\" data-start=\"2050\" data-end=\"2074\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  2.324% (1.4x rate)\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr data-start=\"2075\" data-end=\"2128\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 58.2857%;\" data-start=\"2075\" data-end=\"2104\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  Max Employee Premium\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 41.5714%;\" data-col-size=\"sm\" data-start=\"2104\" data-end=\"2128\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  $1,049.12\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr data-start=\"2129\" data-end=\"2182\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 58.2857%;\" data-start=\"2129\" data-end=\"2158\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  Max Employer Premium\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; width: 41.5714%;\" data-col-size=\"sm\" data-start=\"2158\" data-end=\"2182\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e  $1,468.77\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/figure\u003e\u003c/div\u003e\n\u003cdiv class=\"absolute end-0 flex items-end\"\u003e\u003cspan data-state=\"closed\"\u003e\u003c/span\u003e\u003c/div\u003e\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003ch3 id=\"h_01JYHZ9K87KJMAF8E348J208JX\"\u003e\u003cstrong data-start=\"2184\" data-end=\"2202\"\u003e2025 EI Rates:\u003c/strong\u003e\u003c/h3\u003e\u003cdiv class=\"_tableContainer_16hzy_1\"\u003e\u003cdiv class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"\u003e\u003cdiv class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"\u003e\u003cdiv class=\"absolute end-0 flex items-end\"\u003e\u003cfigure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"height: 110px; width: 69.8571%;\"\u003e\u003ctable style=\"border-collapse: collapse; border-style: solid; border-width: 1px;\"\u003e\n\u003cthead\u003e\u003ctr style=\"height: 22px;\" data-start=\"2204\" data-end=\"2257\"\u003e\n\u003cth style=\"border-style: solid; border-width: 1px; height: 22px; text-align: center; width: 57.9933%;\" class=\"wysiwyg-indent1\" data-start=\"2204\" data-end=\"2233\" data-col-size=\"sm\"\u003eType\u003c/th\u003e\n\u003cth style=\"border-style: solid; border-width: 1px; height: 22px; text-align: center; width: 41.8638%;\" class=\"wysiwyg-indent1\" data-start=\"2233\" data-end=\"2257\" data-col-size=\"sm\"\u003eAmount\u003c/th\u003e\n\u003c/tr\u003e\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr style=\"height: 22px;\" data-start=\"2312\" data-end=\"2365\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 57.9933%;\" class=\"wysiwyg-indent1\" data-start=\"2312\" data-end=\"2341\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003eMax Insurable Earnings\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 41.8638%;\" class=\"wysiwyg-indent1\" data-col-size=\"sm\" data-start=\"2341\" data-end=\"2365\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e$65,500\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\" data-start=\"2366\" data-end=\"2419\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 57.9933%;\" class=\"wysiwyg-indent1\" data-start=\"2366\" data-end=\"2395\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003eEmployee Contribution Rate\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 41.8638%;\" class=\"wysiwyg-indent1\" data-col-size=\"sm\" data-start=\"2395\" data-end=\"2419\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e1.64%\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\" data-start=\"2420\" data-end=\"2473\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 57.9933%;\" class=\"wysiwyg-indent1\" data-start=\"2420\" data-end=\"2449\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003eEmployer Contribution Rate\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 41.8638%;\" class=\"wysiwyg-indent1\" data-col-size=\"sm\" data-start=\"2449\" data-end=\"2473\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e2.296%\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr style=\"height: 22px;\" data-start=\"2474\" data-end=\"2527\"\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 57.9933%;\" class=\"wysiwyg-indent1\" data-start=\"2474\" data-end=\"2503\" data-col-size=\"sm\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003eMax Employee Premium\u003c/span\u003e\u003c/td\u003e\n\u003ctd style=\"border-style: solid; border-width: 1px; height: 22px; width: 41.8638%;\" class=\"wysiwyg-indent1\" data-col-size=\"sm\" data-start=\"2503\" data-end=\"2527\"\u003e\u003cspan class=\"wysiwyg-font-size-medium\"\u003e$1,077.48\u003c/span\u003e\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/figure\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003ch3 id=\"h_01JYHZ9RRQFTZRPW9W0K8M5AX4\"\u003e\u003cstrong data-start=\"2529\" data-end=\"2552\"\u003eSpecial Situations:\u003c/strong\u003e\u003c/h3\u003e\u003cul data-start=\"2554\" data-end=\"2877\"\u003e\n\u003cli data-start=\"2554\" data-end=\"2664\"\u003e\n\u003cstrong data-start=\"2556\" data-end=\"2569\"\u003eNew Hires\u003c/strong\u003e: Employers must deduct EI even if a new employee already met their annual maximum elsewhere.\u003c/li\u003e\n\u003cli data-start=\"2665\" data-end=\"2790\"\u003e\n\u003cstrong data-start=\"2667\" data-end=\"2691\"\u003eMergers/Acquisitions\u003c/strong\u003e: Successor employers may count previous EI deductions if there’s a legal transfer of employment.\u003c/li\u003e\n\u003cli data-start=\"2791\" data-end=\"2877\"\u003e\n\u003cstrong data-start=\"2793\" data-end=\"2817\"\u003eMid-year Job Changes\u003c/strong\u003e: EI contributions continue until the annual cap is reached.\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01JXZN6VZRB0SZQMPF5FTP9W3A\" data-start=\"2879\" data-end=\"2903\"\u003eWorkers’ Compensation\u003c/h2\u003e\u003cp data-start=\"2905\" data-end=\"3051\"\u003eEach province operates its own workers’ compensation board. Justworks handles registration and premiums for eligible employees. Coverage includes:\u003c/p\u003e\u003cul data-start=\"3053\" data-end=\"3132\"\u003e\n\u003cli data-start=\"3053\" data-end=\"3087\"\u003eWork-related injury or illness\u003c/li\u003e\n\u003cli data-start=\"3088\" data-end=\"3108\"\u003eMedical benefits\u003c/li\u003e\n\u003cli data-start=\"3109\" data-end=\"3132\"\u003eWage-loss replacement\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01JXZN6VZRAFJ38CRXBY2R9J3M\" data-start=\"3134\" data-end=\"3162\"\u003eCanada Pension Plan (CPP)\u003c/h2\u003e\u003cp data-start=\"3164\" data-end=\"3196\"\u003eCPP contributions are mandatory:\u003c/p\u003e\u003cul data-start=\"3198\" data-end=\"3326\"\u003e\n\u003cli data-start=\"3198\" data-end=\"3242\"\u003e5.95% paid by both employer and employee\u003c/li\u003e\n\u003cli data-start=\"3243\" data-end=\"3292\"\u003e2025 maximum employee contribution: $4,034.10\u003c/li\u003e\n\u003cli data-start=\"3293\" data-end=\"3326\"\u003eDeducted automatically from pay\u003c/li\u003e\n\u003c/ul\u003e\u003ch2 id=\"h_01JXZN6VZR202HD1JEZ6KG695R\" data-start=\"3328\" data-end=\"3356\"\u003eLife Insurance (Optional)\u003c/h2\u003e\u003cp data-start=\"3358\" data-end=\"3452\"\u003eJustworks offers group life insurance in Canada through Sun Life. There are two primary types:\u003c/p\u003e\u003cul data-start=\"3454\" data-end=\"3752\"\u003e\n\u003cli data-start=\"3454\" data-end=\"3594\"\u003e\n\u003cstrong data-start=\"3456\" data-end=\"3479\"\u003eTerm Life Insurance\u003c/strong\u003e\u003cul data-start=\"3484\" data-end=\"3594\"\u003e\n\u003cli data-start=\"3484\" data-end=\"3498\"\u003eLower cost\u003c/li\u003e\n\u003cli data-start=\"3501\" data-end=\"3524\"\u003eFixed term coverage\u003c/li\u003e\n\u003cli data-start=\"3527\" data-end=\"3594\"\u003eCan help cover short-term debts, income loss, or funeral expenses\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli data-start=\"3596\" data-end=\"3752\"\u003e\n\u003cstrong data-start=\"3598\" data-end=\"3626\"\u003ePermanent Life Insurance\u003c/strong\u003e\u003cul data-start=\"3631\" data-end=\"3752\"\u003e\n\u003cli data-start=\"3631\" data-end=\"3673\"\u003eLifetime coverage with higher premiums\u003c/li\u003e\n\u003cli data-start=\"3676\" data-end=\"3707\"\u003eBuilds cash value over time\u003c/li\u003e\n\u003cli data-start=\"3710\" data-end=\"3752\"\u003eOffers flexibility and investment growth\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003c/ul\u003e\u003cp data-start=\"3754\" data-end=\"3877\"\u003eSupplemental life insurance is not required by law, but it's a valued perk that helps protect employees and their families.\u003c/p\u003e\u003ch2 id=\"h_01JXZN6VZRPFDWK3VYZ7CSSJCG\" data-start=\"3879\" data-end=\"3918\"\u003eEmployer Retirement Plans (Optional)\u003c/h2\u003e\u003cp data-start=\"3920\" data-end=\"4023\"\u003eSome roles may include Group RRSPs for long-term savings. These are optional and will vary by position.\u003c/p\u003e\u003cp data-end=\"4023\"\u003e \u003c/p\u003e\u003cp\u003e\u003cspan class=\"wysiwyg-font-size-large\"\u003eDisclaimer\u003c/span\u003e\u003c/p\u003e\u003cp\u003e\u003cem\u003eThis material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for accounting, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.\u003c/em\u003e\u003c/p\u003e","user_segment_ids":[],"snippet":"Statutory Insurance \u003cem\u003eBenefits\u003c/em\u003e Beyond public healthcare, employers are not required to provide other insurance \u003cem\u003ebenefits\u003c/em\u003e. However, they","result_type":"article"}]}