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The whole industry is a freaking train wreck.
If one of my employees needs health insurance for her family, I provide it. An employee who gets insurance through the spouse will likely get a higher salary. I individualize each employees benefit package, but no one who works for me is "allowed" to go without health insurance. In general, I pay for the employees and their family's medical and dental at no cost to them.
The reason I do that is simple, turnover is deadly. If my office is not running well, the cash flow stops fast. I don't want my valued employees shopping for a better deal. I have only 6 employees, all have been with me more than 8 years. Last year one of my valued employees told me she would need to quit. The cost of daycare was just to much and she was going to find a job where she could work from home. She still works for me, but guess who's paying for daycare! Bottom line, when I find good employees, I want to keep them.
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My work here is nearly finished.
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