If a company doesn't offer health insurance but offers you well more in salary than one that does, you may still take the job. In most cases, though, aside from extreme situations, these benefits are the bare minimum of what you should be looking for. Benefits are an importnt part of total compensation.
Businesses can give employees two basic types of compensation: cash compensation or salaries and benefit compensation. A non-benefited employee is a worker who only receives cash compensation.
But do the risks of going without insurance mean you should avoid taking a job with an employer that doesn't offer health insurance? Not necessarily. Some great employers don't offer health insurance plans--and you may not want to pass up a good job opportunity.
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Unfortunately for California employees, whether or not they are considered “part-time” and ineligible for benefits or “full-time” and privy to benefits is solely left to the employer's discretion, except for employees who work 40 hours a week or more.
Higher pay means improved cash flows and buying power for immediate purchases or investments. Greater benefits, which may be challenging to put an exact dollar amount on, often provide a security net for a health event or during retirement. Employer benefits differ significantly in terms of scope and generosity.
Under California labor laws, non-exempt employees shall not work more than eight (8) hours in any workday or more than 40 hours in any workweek unless they are compensated with overtime pay.
According to the Department of Labor, companies are not required to give full-time employees benefits. Employers offer fringe benefits voluntarily. However, employers cannot be discriminatory in who receives benefits and who does not.
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While some employers offer coverage on the first day of work, many require employees to work at the company for up to 90 days before starting coverage. If you're a new employee waiting for your medical benefits to begin, you can get a short-term policy to fill this temporary gap in health coverage.
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