The small business employee benefits you can offer are endless. Benefits include common benefits such as health insurance, and unique benefits such as catered lunches.
员工福利是薪酬的重要组成部分。实际上，66％的员工说benefits are very or extremely important to their loyalty to a company. You want to offer the right benefits to attract and retain employees.
So, how do you know which benefits to offer? Start by considering the most common employee benefits.
小型企业的普通员工福利
从本质上讲，员工福利有两类：所需的福利和可选收益。联邦或州法律要求您提供一些好处。但是，您还可以选择向员工提供其他好处。
所需的好处
Below is a list of legally required benefits for employees.
FICA税
ficataxes might not sound like a typical benefit. FICA is a combination of Social Security and Medicare taxes. You have to subtract wages from employee paychecks to pay part of the FICA taxes, which seems like the opposite of a benefit. But, you can consider FICA to be a benefit because employees can receive assistance from Social Security and Medicare benefits.
Also, employers are required to pay half of FICA taxes. Your employer contribution means employees can receive more assistance from FICA than what you withheld from their paychecks.
失业税
您必须付款federal unemployment tax(FUTA) andstate unemployment tax（Suta）。员工不缴纳失业税。如果您的一名员工失业，他们可能能够在失业过程中获得州付款以帮助他们。
Workers’ compensation
Workers’ compensation是一个好处,可以帮助员工如果他们recei吗ve work-related injuries or illnesses. Workers’ compensation payments are used to pay for medical expenses and lost wages.
As the employer, you have to pay for workers’ compensation insurance. Each state has its own workers’ compensation regulations, so make sure you check with yourstate workers’ compensation agency。
Required leave
法律需要某些类型的休假。
您应该给员工足够的时间投票。这种休假的法律各不相同，因此请确保您审查您州的法律。
Employees should also have time off to serve on a jury. Once again,check your state’s laws了解他们的受薪员工的陪审团政策和小时的员工。
员工也有权USERRA leavefor military service.
FMLA
如果您的业务在工作现场75英里内拥有50名或更多员工，则您的业务将由FMLA法律涵盖。员工每年最多可以使用12周的无薪假期来倾向于某些健康和家庭问题。有关具体详细信息，请检查FMLA规则。
If your business has fewer than 50 employees, it still might be covered by state FMLA laws. Check to see if your州的FMLA法律适用于较小的雇主。
可选的好处
There are many optional benefits that you can offer. Below are the most common employee benefits you can choose to provide to employees.
Disability insurance
Disability insurance pays part of an employee’s wages if they have an injury or illness that is not work related. For most employers, disability insurance is an optional benefit. However, employers must provide short-termdisability insuranceif they have employees in California, Hawaii, New Jersey, New York, or Rhode Island.
Note that there is aFMLA和短期残疾之间的差异。
Health insurance
根据《平价医疗法案》，不需要50名或更少员工的企业向员工提供健康保险。您仍然可以选择提供健康保险。
You can purchase small business health coverage from a health insurance company or theSmall Business Health Options Program (SHOP)。通过商店市场提供健康保险可以改善您的小型企业health care tax credit eligibility。
“Health care coverage is a sought-out benefit,” said Julie Stich, CEBS, Associate Vice President of Content at International Foundation of Employee Benefit Plans. “One option that can be lower cost is a high-deductible plan combined with a health savings account (HSA). Typically, premiums for this type of plan are lower, and HSAs allow for tax-advantaged savings to pay health care expenses.”
Retirement plan
There are many小企业退休选择您可以向员工提供。您可以从IRA，养老金，401（k）s和多个雇主计划等选择中进行选择。
Stich说：“给员工一辆退休工具将为他们提供未来财务安全的机会。”“对于小型雇主，有几种选择可以减少信托责任，简化管理和降低成本。这些是薪资降低的IRA，简化员工计划（SEP）和简单的IRA。”
When considering retirement plans to offer employees, you should think about your costs, employee costs, ease of using the plan, and whether you will contribute to retirement savings.
Employee-pay-all benefits
You can set up voluntary benefits that employees entirely pay for. Employee-pay-all benefits allow you to offer benefits at a reduced rate, but at limited or no cost to your business.
“Voluntary employee-pay-all benefits offer employees the chance to buy a variety of insurance coverages like auto, homeowners, disability, life, identity theft, and long-term care at group rates rather than individual rates, making them less costly,” Stich said.
可选假
There are several types of optional leave that you can offer to employees.
You can provide vacation and sick leave for employees to use for personal or wellness days. Even though you don’t have to offer a休假政策, 77% of small employers offer paid vacation and56% offer paid sick leave。有不同的地方州立病假法律可能需要你提供支付生病的days.
You can provide days off on major holidays. Almost80% of small employers offer paid major holidays给全职员工。
You can also provide丧亲时间休息when an employee’s family member dies.
有些州有法律要求您放假给员工。此外，州法律可能要求您支付某些类型的休息时间。
灵活的工作时间
About71% of small businesses offer flexible working hours给大多数全职员工。灵活的工作时间让员工遵守个人时间表。员工可以更轻松地预留时间进行约会，家庭活动和其他义务，而不会缺少任何工作。
Incentive programs
如果员工有目标的目标，他们可能会更有生产力。您可以创建一个具有个人或小组目标的激励计划，以奖励员工。
For example, you might offer a bonus to employees who reach a certain number of sales in a month. Or, you might reward a team’s hard work by letting them work a half day on Friday.
您可以提供许多类型的激励措施。您只需要选择一个可以与您的业务一起使用的激励和目标。
Goods or services
您可以向员工提供企业出售的商品或服务。商品或服务可以以降低的价格出售。
You might also create a partnership among other local small businesses. Each business could offer discounted prices to employees within the partnership.
What benefits should I offer?
了解福利套餐并非易事。很难弄清楚您应该提供哪些小型企业员工的福利。您显然需要提供法律要求的福利。但是，您还提供什么呢？您想让员工满意，但您还需要保持预算范围。
If you already have employees, you can survey them to find out what their most valued benefits are. Once you determine what would make your employees happy, you can offer those types of employee benefits.
You can also find out which benefits your competitors and other local businesses offer. You can try to match or outdo other businesses in attempts to attract quality employees.
You should consider the cost of the benefits you offer. The benefits should be affordable for both you and your employees. Among job seekers,55% look for affordable benefits, so cost is important when recruiting employees.
您的企业应提供的特定利益清单。您必须通过权衡法律，行业标准，福利成本和员工欲望来确定适合您的业务的事物。
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