Should Construction Employees Have Health Insuracne

Why Should Construction Employees have Health Insurance?

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The construction industry is rated one of the highest when it comes to injury rates. On average, the construction industry is rated 24% higher than other industries.1 More construction companies realize these dangers. But many also know that health insurance provide them a competitive edge in employee retention and talent acquisition. In fact, 56% of construction companies now offer health benefits in some form.2  

But what are some benefits that health insurance provides to the employee outside of paying for their medical expenses?

  • Peace of Mind – Employees worry less when they know they can access necessary medical care without worrying about paying for all the expenses themselves.
  • Avoiding Financial Risks – The cost of medical care can quickly add up, with some procedures costing thousands of dollars out-of-pocket.
  • Improved Health – Research has shown that people with health insurance are more likely to get regular check-ups and preventative care, which can lead to improved overall health.
  • Tax Benefits – Health insurance can provide tax benefits such as deductions for certain medical expenses, employer contributions to health plans, and payments on premiums they make directly for their own or dependents’ coverage.

From financial protection to improved overall health, your employees should find it easy to see why having health insurance can be a vital part of staying healthy and productive when working in construction.

Many contractors hesitate to offer medical benefits because they think it will be time-consuming and complicated. But Beneco can help you every step of the way. Not only will we go through all the steps to make sure you are compliant, but we will help you maximize your fringe dollars to provide the benefits your employees need while saving your company money – contact us today to learn more!


1 “Employer-Reported Workplace Injuries and Illnesses, Bureau of Labor Statistics, November 2022
2 “Employee Benefits in the U.S.,” Bureau of Labor Statistics, September 2022