Introduction

The Granite Insurance Brokers is a well-established company that has a large number of employees who work continuously to increase the company’s productivity. Since the employees form an integral part of the company, they are also guaranteed to some benefits which act as compensation for their dedication in ascertaining the company’s positive progress. As such, every applicant who meets the qualifications of working in our company will be given an employee’s benefits brochure during orientation so that he/she can go through them to confirm if he/she is satisfied with them.

Besides, there are qualifications for one to be included in the benefits brochure program. The employee should be working at least thirty hours per week and should be married or divorced on a legal basis. Also, employees are allowed to cover their spouses and eligible dependent children. In case an employee demands some clarification concerning the benefits brochure, he or she can contact the Human Resource department of Granite Insurance Brokers. Furthermore, the benefits are divided into two categories which include mandatory benefits and discretionary benefits. Both of them are included in this brochure.

Mandatory Benefits

1. Medical Coverage

            All employees who meet the qualification of the benefits brochure are guaranteed for medical coverage.  The company covers about 90% of all the medical needs of eligible employees. However, those who do not meet the requirements depend on themselves for any medical concerns. Firstly, the company has an implemented Workers Compensation Medical Providers Network. In this case, workers who are subjected to work-related injuries are given a priority of free medical coverage. To get this done, they should approach the Human Resource department which provides them with the mandate to designate a personal physician who can then cover for the work-related injuries. The physician will be paid by the company after the employee heals from the injuries. In case the employee does not have a personal physician, the company can be responsible for looking for a qualified physician to take care of the employee’s injuries. However, medical coverage does not apply if the injured employees seek medical care before reporting to the Human Resource department of the organization. He/she will have to independent on paying for the treatment.

Secondly, Granite Insurance Brokers Company has established a Patient Protection and Affordable Care Act which covers the healthcare cost of the eligible employees. Under this act which was passed in 2010, employees can receive comprehensive medical care which includes assessment of the presenting symptoms, diagnosis, and treatment of diagnosed diseases. Besides, the employees’ dependent family can benefit from this act including their spouse and eligible children. As such, employees are supposed to select a healthcare facility which meets the qualifications of the company’s medical coverage to avoid extremes of charges that may affect the company’s financial progress.

Another medical coverage plan offered by the organization is the Health Insurance Marketplace Notice. In this case, employees are allowed to purchase health insurance in the company’s Health Insurance Marketplace. However, employees who purchase insurance will have to lose the Granite Insurance Brokers’ monthly medical coverage premium since their share of the company’s medical coverage income will be paid for their insurance. Thus, employees should make a choice on which plan to take so as to ensure that they benefit from the company’s medical plan. Still, an employee can shift from one plan to another in case he/she experiences some difficulties in the plan he had selected earlier by reporting to the Human Resources Department of the Granite Insurance Brokers Company.

Furthermore, the company has implemented a Newborns’ and Mothers’ Protection Act. In this Act, female workers who are pregnant can be allowed to go for maternity leave until the time of delivery. The time of allowance depends on the type of delivery whereby those who deliver through the normal procedure are given a short period compared to those who undergo a cesarean section. Besides, Granite Insurance Brokers offers chances for open enrollment opportunities in the case for the newborns so that they can benefit from the medical coverage. Male employees can as well benefit from this Act as long as they have their spouses covered by the company’s medical coverage.

Lastly, Granite Insurance Brokers Company offers leaves to employees who have family health issues through the Family Medical Leave Act. In this regard, an employee can be allowed to be away from work for a specified period of time so that he/she can attend to a health issue affecting his/her family. Such health issues include attending to a newborn in the family, taking care of a family member such as a spouse who is suffering from a serious medical condition, and or if the employee himself/ herself is suffering from a serious health condition. In such cases, the employee will not be penalized to have skipped work as long as he/she reported to the Human Resource team of Granite Insurance Brokers Company before leaving.

2. Dental Coverage

            In dental coverage, employees are covered for any dental problems that they may have. Dental problems such as periodontal problems, tooth decay, tooth breakage, and oral cancer affect people all around. Besides, other dental services such as oral cancer screening, fluoride treatments, implants, dental X-Rays, and periodontal surgery among others are covered by the company. In this case, employees are required to pick a dentist of their choice who will be responsible for their dental issues. Also, employees who have serious dental problems are supposed to meet the Human resource personnel who will organize for their dental services so that they can be managed before the condition gets worse to the extent of causing work discomfort.

3. Vision Coverage

In this coverage, the company allows employees to choose their healthcare facilities which can cover their visual problems. Although most people do not report their visual problems, this plan aims to help employees to be aware of their visual status so as to avoid unnoticed visual problems that may affect their performance. Therefore, eligible employees should be free to seek visual checkups so that the can stay informed of their visual status. The company will cover for all the services provided by the involved health care personnel including medications, checkups, operations, and visual equipment provide to those confirmed to have visual problems.

4. Life Insurance

            Granite Insurance Brokers Company also offers a mandatory life insurance benefit to all eligible employees. In this regard, workers who remain loyal to the company up to their time of death are totally covered. Besides, those who may experience abrupt death due to road accidents or any other triggers are insured. The insurance is meant to cover all medical bills that they might have died before, their families, and other projects that they died before accomplishing. Besides, life insurance also covers cases in which employees may lose parts of their body during accidents such as hands, legs or any other body part that may affect their work performance. Workers who experience such a problem will not be dismembered without having protected them financially so that they can continue living good lives.

Discretionary Benefits

1. Retirement Plan

            Although most employees end up getting retirement savings, some do not benefit from this plan. The choice to get retirement savings comes from employees themselves such that those who accept to save with the organization end up receiving their final savings with added interests. As such, workers who demand to receive their retirement savings are supposed to register in the organization’s saving program. Such workers will have part of their salary deducted so that it can be saved until the time of retirement. The advantage of this plan is that the saved amount increases as the time goes since it acts as an investment in the organization. Thus, it is wise for employs to register in the saving program so that they can retire with large amounts of money so that they can live thereafter.

2. Disability Insurance

            Disability insurance is meant for those who might develop a short-term injury that may affect their performance at work. Such employees can enjoy this benefit until the time they heal from the injury. After that, the coverage will end, and they will only have to renew it when they develop another short-time disability.

3. Employee Discount Program

            This program is not mandatory to all employees in Granite Insurance Brokers Company. However, those who subscribe to this program will enjoy discounts in entertainment, home services, amusement parks, and other services in the country. This program is more efficient since those who register in it will enjoy a discount with their families. Also, registered members will use a small amount of money to cover for these services, unlike if they sought them on their own.

4. Employee Assistance Program

This program has been provided by Granite Insurance Brokers Company to help employees solve issues related to their daily lives. Services provided include counseling, communication enhancement, access to articles about wellness, and access to legal and financial centers. Such services are important since they help employees to live quality lives which improve their performance at work. Besides, the company will help employees to access these services cheaply than if they opt to cover them with their own income.

Conclusion

            Having gone through the benefits brochure employees are free to seek any clarifications from the Human Resource so that they can be satisfied with all fields outlined in the brochure. Those who need to register for discretionary programs such as retirement plan, employee discount program, and employee assistance program should do so before they embark on their jobs. As hinted before the benefits given to employees are meant to motivate them, and also to act as compensation for their services to the organization. Therefore, all employees should be ready to enjoy these services and register for the discretionary services for their own benefits.