If you are like most of our clients, you have many challenges when offering employee benefits. You might have a workforce with high turnover, geographically dispersed and difficult to reach employee populations. You need to manage your penalty risk, provide what you can and not go out of business doing it. The American Worker understands your situation and has worked with hourly employees for more than 20 years. We will provide you options to manage the penalty and offer benefits to your employees in a way that will work. There are many challenges to offering benefits to this class.

Because Your Hourly Workers Have Full-Time Lives.

Do you find you have a high turnover rate, particularly with younger employees? Are you training and re-training for positions? An employee insurance plan may provide the stability these employees need to stay employed and value your jobs over others. But it takes the right system. Even if you find a plan, you have to figure out how to implement it and manage the task of providing insurance to this many people working hourly.

Luckily, there is a solution. The American Worker provides a fully integrated system that doesn’t cost the company time or money and gives you more competitive hiring abilities. We consult with employers to identify their needs and design a benefit program to accomplish their goals and our programs can be a vital resource for employee recruiting and retention.

The American Worker offers:

• Strategies for offering MEC or Minimum Value coverage to manage ACA penalties
• Coverage that meets the employees individual mandate requirement
• Customized plans and enrollment communications
• Online and call center enrollment for easy enrollment access
• Flexibility to understand and meet your HRIS and payroll system needs during implementation
• Variable hour employee tracking
• Online services for employer and employees to manage plan. Including missed premium processing

The American Worker is focused on, but not limited to, the following employer types:

• Convenience Stores
• Staffing Companies
• Restaurant Groups

It’s time to save more and work less. The American Worker offers Fixed Indemnity, Minimum Essential Coverage (MEC), Minimum Value Plans (MVP), Dental, Vision, Life, Short Term Disability and Critical Illness coverage. All benefits are offered on a group basis and are guarantee issue with no pre-existing condition limitations. There is one rate for everyone: that means no age banding, area factors or smoker/non-smoker rates to deal with. The American Worker works full-time for your hourly workers.