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Employee Benefits

While health insurance isn’t always required by state law depending on where you live, federal law requires employers with 50 or more full-time equivalent employees (FTEs) to provide health insurance benefits with minimum essential coverage (MEC).

Whether you are a small or mid-size company, offering health benefits to your employees for the first time or have an existing benefits program, offering benefits is a great way to attract and retain top talent.

While traditional group health insurance is a popular option, rising premium costs have made it challenging for companies of any size to offer benefits to their employees.

There are programs available for business owners ranging from small to mid-size companies who can’t offer traditional group coverage due to high contribution costs per employee or low participation requirements.

We have solutions and options for all group sizes that work best for both the employees and business owners.

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“I am very satisfied with the service I have received from CRF Company. From the first contact, the team was highly professional and attentive, providing me with personalized service that truly made a difference. The clarity of the information provided and the speed in resolving any queries or claims have made me feel secure and supported at all times. Additionally, their policies offer excellent value for money, covering all my needs without complications. Without a doubt, I recommend CRF Company to anyone looking for a reliable insurance provider committed to the well-being of its clients.”

Patricia Brown

FAQ

Frequently Asked Questions

Have another Question?

How do I choose the right type of life insurance for me?

The choice depends on your financial goals, your family situation and your budget. Our advisors can help you determine the best option by analyzing your personal needs and circumstances.

What are employee benefits?

Employee benefits are additional compensation that companies offer their workers in addition to salary. They may include health insurance, retirement plans, vacation days, among others.

Can I change my health plan after I enroll?

Yes, you can change your health plan during the open enrollment period or if you qualify for special enrollment due to certain life events, such as changing jobs or moving.

What does federal law say about employer health insurance?

Federal law requires employers with 50 or more full-time equivalent employees to offer health insurance benefits with minimum essential coverage (MEC).

What type of coverage is considered “minimum essential coverage” (MEC)?

The MEC includes services such as emergency care, outpatient care, hospitalization, prenatal and postnatal care, mental health, and more, as established by law.