Best Jackson Employee Benefit Packages Near Me – Premium Jackson MS Employee Benefit Plans Provider

Sunday, November 12, 2023 10:54 Posted by Admin
employee benefit packages Jackson MS, employee benefit plans Jackson MS, employee benefits Jackson MS

Are you an employee or employer in the city of Jackson, Mississippi? Are you aware of the full potential of the employee benefits available to you? In this blog post, we delve into the top employee benefit packages Jackson MS, and provide valuable insights into how these benefits can improve your work-life balance and financial stability. Get ready to unlock your full potential and make the most of the benefits available to you.

Key Takeaways

  • Jackson, MS offers comprehensive group health insurance coverage plans with competitive rates and extensive benefits.
  • Employees in Jackson, MS have access to a variety of retirement plans and flexible spending accounts offering considerable tax savings.
  • Eligible employees can benefit from additional perks such as employee credit unions and cafeteria plans for managing finances efficiently.

Exploring Top Employee Benefits in Jackson, MS

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Employees in Jackson, MS have the privilege of accessing a wide array of employment benefits such as:

  • Health insurance coverage
  • Retirement plans
  • Flexible spending accounts
  • Dental and vision coverage options
  • Competitive rates and coverage levels for employees and their dependents
  • Social Security benefits, including retirement income, disability, death, and healthcare benefits

Keep in mind, part-time employees clocking in less hours than 20 hours per week each or 20 hours per week may not qualify for certain University benefits like the retirement system and medical one, unlike full time employees. They are, however, eligible for unemployment and worker’s compensation.

Health Insurance Coverage

Comprehensive health and dental insurance and coverage plans are available to Jackson, MS employees, with service, offering competitive rates and extensive benefits. Popular health and dental insurance service providers in the area include:

  • Blue Cross Blue Shield of Mississippi
  • Aetna
  • Ambetter
  • Cigna Healthcare

These providers offer essential health benefits such as dental insurance such as prescription drug coverage, emergency services, and preventive care.

The rates for health insurance coverage in Jackson, MS are determined by factors such as the level of employer-sponsored insurance, the cost of health insurance, and disparities in access to healthcare. Comparing different plans and considering the specific coverage options offered by each insurance company is a wise step towards making an informed decision.

Retirement Plans

A variety of retirement plan options are available to Jackson, MS employees, including:

  • Defined benefit plans
  • Defined contribution plans
  • Voluntary supplemental tax-deferred savings plans
  • Optional retirement plans One of these options is Deferred Compensation, a voluntary savings plan offering tax advantages. The income tax liability on deferred salary is delayed until the employee receives the amount, and any interest or earnings accrued are tax-deferred until withdrawal.

Employer contributions in Deferred Compensation plans may vary depending on the employee’s particular plan. Employees should consult their plan documents or contact their plan administrator for more comprehensive information on employer contributions.

Flexible Spending Accounts

A Flexible Spending Account (FSA) is an arrangement through your employer that allows you to pay for eligible out-of-pocket medical expenses with tax-free dollars. FSAs in Jackson, MS enable employees to make medical expenses by:

  • Set aside pre-tax money to cover eligible out-of-pocket medical and dependent care expenses
  • Offer considerable tax savings
  • Help manage healthcare costs efficiently.

The regulations for FSAs in Jackson, MS follow federal guidelines, and further information can be found in the document provided by the city and Mississippi Department of Transportation. These accounts offer employees autonomy in choosing solutions that best fit their individual needs.

Life Insurance Options

Life insurance options, such as the State and School Employees’ Life and Health Insurance Plan, are available to eligible employees in the city of Jackson, MS. This plan offers eligible those a maximum of term life insurance with coverage of $100,000, with the city and state covering half of the premium for group term life and disability insurance.

Enrollment in the plan is effective on an employee’s first day of employment. Completing the enrollment documents within 31 days of hire is critical. Every October, an annual Open Enrollment period is available for full time employees. Coverage will be effective for all full time employees for four years from January 1st of the following year.

Family Coverage

Family coverage options for full term life insurance policies in Jackson, MS include term insurance and cash value insurance. These policies generally offer coverage for the insured and entire or immediate family members, including immediate family members such as spouse and children, and provide financial protection in the event of the insured policyholder’s death. To learn more and receive a personalized quote based on your individual needs, it is recommended to contact the respective insurance providers directly.

The costs associated with family coverage for life insurance and medical only in Jackson, MS may vary depending on the policy and the service provider. Employees should contact life insurance agents and medical only service companies to obtain a cost comparison index and a free quote to determine the exact costs.

Maximum Amounts

The maximum coverage amount for life insurance policies in Jackson, MS may vary depending on the policy, including provisions for accidental death. Some policies may provide coverage up to $300,000 in lost and accidental death, benefits and up to $100,000 in cash. Various factors such as the individual’s age, health, and income are taken into consideration by insurance companies to determine the appropriate coverage amount for each individual.

State regulations and guidelines may also be relevant in establishing the maximum amount for life insurance coverage in Jackson, MS.

Time Off and Leave Benefits

In Jackson, MS, employees can accrue up to 12 days of personal and sick leave per year. The policies regarding vacation and personal leave for regular off hours, holidays, full time employees part-time and part-time employees may vary, but it’s worth noting that employees are permitted to carry over a maximum of five days of their personal leave or vacation leave from one year to the next.

Part-time employees working fewer hours than the minimum of 19 hours per week are ineligible for certain University benefits, including the retirement system. However, by law they are eligible for unemployment, disability and worker’s compensation.

Vacation Leave Accrual

Vacation pay and leave accrual per employment is a policy that allows employees to accumulate vacation time in accordance with the pay period, providing them with the opportunity to achieve a healthy work-life balance. In Jackson, MS, there are no laws requiring employers to provide vacation leave benefits, either paid or unpaid. As a result, the specifics of vacation pay and leave accrual per employment may differ depending on the employer’s policies.

Being aware of your employer’s vacation leave accrual policies and planning your own hours and time off accordingly is a key factor for employees. Knowing your own hours and available vacation time can help you maintain a healthy work-life balance and reduce stress.

Sick Leave and Family Illness

Sick leave policies in Jackson, MS may differ depending on the employer. It is advisable to consult with your employer or refer to the employee handbook for more details on personal leave off. In general, employees in Jackson, MS typically accrue eight years up to four years of personal leave and 12 days of sick leave per year.

Understanding your employer’s sick leave and disability policies and how they can be of aid during times of personal or family illness, disability, sick leave, illness or injury is beneficial. Navigating these policies can help ensure you receive the time and support you need to focus on your health or that of your loved ones.

Additional Perks and Services

Beyond the core benefits previously discussed, employees in Jackson, MS can also take advantage of additional perks and services, such as employee credit unions and cafeteria plans. These benefits can provide financial advantages and additional support for employees, helping them manage their finances and achieve their financial goals.

Scrutinizing these additional perks and services will reveal the benefits they offer and how they contribute to enriching the overall the employee’s experience in Jackson, MS.

Employee Credit Unions

Employee credit unions in Jackson, MS are financial institutions that provide banking services exclusively to eligible employees, of a particular company or organization. Owned and operated by the employees themselves, these credit unions offer a range of products and services, such as:

  • Savings accounts
  • Checking accounts
  • Loans
  • Credit cards

They often have interest rates and fees that are more favorable than those of traditional banks.

Some of the highest-rated employee credit unions in the city of Jackson, MS include Statewide Federal Credit Union, Rivertrust Federal Credit Union, and Jackson Area Federal Credit Union. By offering a variety of financial services and benefits, employee credit unions can provide employees with a sense of community service and support for family, as well as helping them achieve their financial goals.

Cafeteria Plans

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Cafeteria plans in Jackson, MS are reimbursement plans that allow employees to contribute a certain amount of their gross income to a designated account on a pre-tax basis. These plans offer a variety of services associated with Section 125 Cafeteria Plans, including:

  • Flexible spending accounts
  • Medical reimbursement
  • Premium only plans
  • Dependent care

Employees in Jackson, MS can take advantage of cafeteria plans to:

  • Save on taxes
  • Allocate funds for healthcare
  • Allocate funds for dependent care
  • Allocate funds for insurance premiums

By providing tax savings and flexible benefit options for immediate family members, a cafeteria plan can help employees manage their healthcare costs efficiently and tailor their benefits to suit their employee’s individual needs.

Navigating Human Resources

Understanding and managing various aspects of employee benefits, such as enrollment and addressing benefit concerns, is a significant part of navigating human resources in Jackson, MS. It’s important to familiarize yourself with the best practices for managing human resources in Jackson, MS, including utilizing resources and training available through the Jackson Human Resource Department and staying informed of laws and regulations related to HR compliance.

This section delves into the processes and resources at the disposal of employees in Jackson, MS, providing them the tools to navigate human resources successfully and maximize their employee benefits.

Benefit Enrollment

The process of enrolling a child in employee benefits in Jackson, MS may require various documents depending on the age, parent employer and benefit plans. Deadlines for benefits enrollment and employment are subject to variation, hence it is advisable to liaise with your respective company’s Human Resources department for these deadlines.

If you wish to change your benefits after initial enrollment, you can do so during the Open Enrollment period, or in the event of a life-altering circumstance such as a change in marital status or the birth of a child. Be sure to contact the employee’s relevant HR department or benefits administrator for more information on the process and requirements for changing benefits.

Addressing Benefit Concerns

Employee benefit concerns in Jackson, MS often relate to health insurance coverage, retirement plans, unemployment insurance, and wage levels. To address these concerns, employees can access resources such as EBS Inc., Personnel Plus, MPE Employee Benefit Services, and the City of Jackson employee benefits program, including the public employees retirement system.

Maintaining effective communication with human resources proves vital while addressing benefit concerns in Jackson, MS. Ensure that you:

  • Locate the appropriate contact information for your organization’s HR department
  • Maintain professional communication skills in face-to-face, telephone, and email interactions
  • Address your concerns and receive the support you need.


In conclusion, understanding and maximizing the employee benefits available in Jackson, MS can significantly impact your work-life balance, financial stability, and overall well-being. By exploring the various benefits such as health insurance, retirement plans, and flexible spending accounts, as well as additional perks like employee credit unions and cafeteria plans, you can tailor your benefits package to best suit your individual needs. Don’t hesitate to reach out to your human resources department for assistance in navigating your benefits and addressing any concerns. Take control of your financial future and make the most of the benefits available to you.

Frequently Asked Questions

What is a standard benefit packages for employees?

Employee benefit packages commonly include health care, retirement, and paid time off, paid, as well paid as mandated coverage by law such as COBRA law, FMLA, and minimum wage standards. States may also mandate additional coverage like disability insurance and workers comp.

What are the 4 major types of employee benefits?

The four major types of employee benefits are medical, insurance, paid time off, and retirement. Other nontraditional benefits may also be available to enhance company culture and promote employee engagement.

What is a typical benefits package worth?

On average, salary and benefits pay packages are worth over 30% of an employee’s salary. For instance, with a $65,000 salary paid out, the estimated benefits pay package could be worth about $27,855, bringing the total compensation to around $92,855 or more.

How much do employee benefits typically cost?

On average, employee benefits cost employers $11.42 per hour, making up 29.6% of the total cost per employee. The actual amount paid can vary depending on industry and base salary and salaries.

What are the top employee benefits offered in Jackson, MS?

Jackson, MS offers comprehensive employee benefits, including health insurance, retirement plans, flexible spending accounts, and life insurance.

Written by Todd Taylor

Todd Taylor

Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.

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