Employee Benefit Packages Near Me – Premium Tennessee TN Employee Benefit Plans Provider

Wednesday, October 11, 2023 16:27 Posted by Admin
Employee benefit packages Tennessee, Employee benefit plans Tennessee, Employee benefits Tennessee

Are you a Tennessee employee seeking to maximize your benefits? Look no further! This comprehensive guide will unveil the numerous advantages of employee benefit packages Tennessee. From health coverage to financial security, time off policies, holidays, and leave, holidays, and leave, educational opportunities, holidays and employee perks, you’ll discover how these benefits can enhance your work-life balance and overall well-being.

Key Takeaways

  • Tennessee offers comprehensive health, dental and vision coverage for employees.
  • Financial security benefits such as life insurance, retirement plans and FSAs are also available.
  • Employees have access to various time off policies, wellness programs & educational/development opportunities with discounts provided by Williamson County & the State Employee Discount Program.

Comprehensive Health Coverage

hypertension, high blood pressure, heart disease

A healthy employee is a productive employee. For this reason, Tennessee provides its employees with an extensive health insurance package, which includes medical, dental, and vision benefits. This ensures that employees and their dependents have access to the care they need to maintain their health and well-being throughout their careers.

Medical Insurance

Full-time employees in Tennessee enjoy comprehensive medical insurance provided through the state group health insurance program. This health insurance also typically includes:

  • Health risk assessments
  • Dental and vision coverage
  • Disability insurance
  • Accident insurance
  • Life insurance
  • Counseling benefits

This beneficial perk activates just 30 days post-hire, allowing employees and their families immediate access to healthcare services.

Employees can choose from a range of medical insurance plans, including:

  • Preferred Provider Organization (PPO) plans
  • Health Maintenance Organization (HMO) plans
  • Fee-For-Service (FFS) plans
  • Exclusive Provider Organization (EPO) plans

Such flexibility gives employees the liberty to choose the coverage that aligns with their unique healthcare needs and preferences.

Dental Insurance

Beyond being an appealing feature, a healthy smile and dental front contributes significantly to overall dental well-being and dental less. That’s why full-time employees in Tennessee receive dental insurance at no cost. Dental insurance typically covers a variety of dental services, from preventive dental care such as cleanings and exams to basic and major dental procedures.

Dependents are also covered by this benefit, facilitating access to crucial dental care for the whole family. Employees can choose from a variety of dental insurance providers, including:

  • Delta Dental
  • Humana
  • Unum
  • MetLife

to find the plan that best meets their needs.

Vision Insurance

Maintaining clear vision is pivotal for ensuring high life quality, in the workplace and beyond retirement. Vision insurance is an eligible additional benefit provided to eligible employees in Tennessee. Vision insurance typically covers various medical expenses such as routine eye examinations, prescription glasses and contacts, and in some cases, laser vision correction surgery.

With a variety of prominent vision insurance providers like:

  • VSP
  • Humana
  • EyeMed
  • Davis Vision
  • DeltaVision
  • Guardian
  • Unum Vision

Employees can find the plan that suits their needs and budget. Investing in vision insurance not only enhances eye health but also results in cost savings and increased productivity for employees.

Financial Security Benefits

For many, achieving financial security is a major goal, and employee benefits provided by employers can contribute significantly towards accomplishing this aim. In Tennessee, employees have access to valuable financial security benefits, including life insurance, retirement plans, and flexible spending accounts (FSA). These benefits help to safeguard employees and their families against unforeseen circumstances and ensure a stable financial future.

Life Insurance

Life insurance is a crucial component of financial security, providing peace of mind for employees and their families. Full-time employees in Williamson County are eligible for a generous life insurance policy at no cost. The policy covers $50,000 of basic life and accidental death & dismemberment (AD&D). This coverage ensures that families are protected in the event of an untimely loss.

AD&D insurance works in tandem with life insurance, offering supplementary coverage specifically for accidental death or injuries. While life insurance provides a death benefit irrespective of the death cause, AD&D insurance targets accidental scenarios.

Retirement Plans

Preparing for retirement is a key step towards securing long-term financial stability. Tennessee offers various retirement plans, including:

  • The Tennessee Consolidated Retirement System (TCRS), providing retirement, disability, and survivor benefits
  • A 457(b) plan for supplemental retirement savings
  • A 401(k) plan for faculty and administrative employees through Empower Retirement

These retirement plans provide employees with a stable income source during their golden years, ensuring that they can maintain their desired lifestyle without financial stress. With multiple options available, employees can choose the retirement plan that best aligns with their long-term financial goals, catering to the needs of retirees.

Flexible Spending Accounts (FSA)

Flexible Spending Accounts a flexible spending account (FSAs) serve as a remarkable financial resource for employees, enabling them to allocate pre-tax funds towards specified expenses. A flexible spending account comes in various types, including:

  • Healthcare FSAs
  • Dependent care FSAs
  • Adoption assistance FSAs
  • Limited-purpose FSAs

Healthcare FSAs, in particular, allow employees to allocate pre-tax money for qualified medical expenses. The funds are deducted from the employee’s salary over time, offering tax savings and a convenient way to cover healthcare costs.

Time Off and Leave Policies

sick, girl, woman

Since life is unpredictable, the ability to take paid leave and time to off when required for medical, leave is crucial for maintaining overall well-being. Tennessee offers various time off and medical leave policies, including:

  • Annual leave
  • Sick leave
  • Bereavement leave
  • Family medical leave

These policies provide employees with the necessary support to balance their personal and professional lives.

Annual Leave

The full time employees have spent outside of work on annual leave contributes significantly to the sustenance of a healthy work-life balance. In Tennessee, annual leave, for full time employees which can be considered as paid time, is earned based on years of service, allowing full time employees to accrue more days off as their tenure increases. For example, for full time employees full-time employees with fewer than five years of service accrue annual leave at a rate of one day (or 7.5 hours) for each month of service.

The maximum number of days of annual sick leave amount that can be accrued is 42, ensuring ample time for vacations, self-care, and personal obligations. Excess earned annual sick leave amount is transferred to the employee’s sick leave account annually on their anniversary hire date.

Sick Leave

Sick leave, a crucial employee benefit, enables employees to take paid time off off for recuperation from illness or to look after a sick family member. Full-time employees in Tennessee accrue one day (7.5 hours) of sick leave per month. This is provided they have worked the major portion of that month. There is no limit to the accumulation of sick leave credits.

Sick leave can be used for a variety of reasons, including:

  • Personal illness
  • Injury
  • Medical conditions
  • Caring for a family member with a serious medical condition

This benefit ensures that employees can prioritize their health without worrying about job security.

Bereavement Leave

Losing a loved one is a tough phase, during paid time in which employees require support to mourn and manage family affairs. In Tennessee, employees are granted three days of leave with pay upon the passing of an immediate family member. Additionally, employees can use two days of sick leave for bereavement purposes.

While Tennessee law does not mandate bereavement leave, many employers offer compassionate leave policies to support employees during this difficult time. It’s essential to consult your employer for specific guidelines regarding bereavement and sick leave together.

Family Medical Leave

Family medical leave guarantees that employees can take time off either to take care of a family member with a serious medical condition or to recover from their own illness. In Tennessee, eligible employees are entitled to a total of one annual leave, one sick leave, one annual leave, six paid leave and 12 weeks of paid leave for childbirth, adoption, or nursing an infant. Family medical leave is typically unpaid, as per the Family and Medical Leave Act (FMLA), but some state or company policies may allow for paid leave during this time.

FMLA provides job security for employees taking family medical leave, protecting them from job loss or any reduction in employment benefits. This benefit ensures that employees can focus on their family’s well-being without jeopardizing their career.

Supporting Employee Wellness

Employers in Tennessee acknowledge the correlation between a healthy workforce and productivity, emphasizing the significance of employee benefits and wellness support. In addition to comprehensive health insurance coverage, employees can take advantage of wellness programs, Employee Assistance Programs (EAP), and the ParTNers Health & Wellness Center. These initiatives promote physical, mental, and emotional well-being, leading to a happier and healthier workforce.

Wellness Program

Wellness programs and benefits are instrumental in endorsing healthy lifestyles and enhancing employee health. These initiatives and benefits typically encompass health information, fitness events, and smoking cessation programs. By encouraging physical activity, reducing stress, and providing resources for healthy lifestyle choices, employee wellness programs and benefits can boost employee productivity, satisfaction, and overall employee well-being.

Many employers offer a range of wellness programs, including nutrition counseling, stress management classes, and health screenings. These programs not only benefit employees but also contribute to creating a healthier work environment and fostering a culture of wellness.

Employee Assistance Program (EAP)

Employee Assistance Programs (EAPs) offer confidential counseling and referral services to employees and their dependents, aiding them in tackling personal and work-related issues that can affect job performance. EAP program services are typically free for employees, as employers cover the employee the entire cost of the employee a program.

EAPs offer a range of services, including:

  • Assessment
  • Short-term counseling
  • Referral
  • Management consultation
  • Coaching
  • Confidential hotlines

By providing support and resources to employees, EAPs play a vital role in enhancing employee health, well-being, and job satisfaction.

ParTNers Health & Wellness Center

The ParTNers Health & Wellness Center offers a wide array of services to bolster the health and well-being of Tennessee employees. These services include:

  • Chronic condition management
  • Minor illness and injury treatment
  • Physicals and screenings
  • Behavioral health care
  • Lab work and referrals
  • Limited onsite medicines

In addition to these services, the ParTNers Health & Wellness Center also offers lifestyle counseling, weight management programs, and access to digital health devices. By providing a wide array of resources and support, the center plays a crucial role in promoting health and wellness among Tennessee employees.

Educational and Development Opportunities

Investments in education and personal development are fundamental for a rewarding career. Employees in Tennessee can take advantage of various educational and development opportunities, including higher education fee waivers and discounts, the TNStars® College Savings 529 Program, and ABLE TN. These resources not only support the professional growth of employees but also help them achieve their personal goals.

Higher Education Fee Waivers and Discounts

Employees and retirees of any department of the State of Tennessee and their dependents can avail higher education fee waivers and discounts, facilitating cover of tuition and fees for courses at any state public universities and colleges. Full-time state employees and retirees with six months of consecutive service are eligible for tuition fee waivers.

Furthermore, a twenty-five percent discount on undergraduate tuition is available for children of full-time state employees. These educational benefits make higher education more accessible and affordable for employees and their families, fostering personal and professional growth.

TNStars® College Savings 529 Program

Designed to assist Tennesseans in saving for higher education expenses, the TNStars® College Savings 529 Program is a state-sponsored college savings plan. The program offers tax benefits such as tax-free earnings when the money is used for qualified higher education expenses, making it an attractive savings tool for families.

Administered by the Tennessee Department of Treasury, the TNStars® College Savings 529 Program program offers a range of investment options, including age-based portfolios, allowing families to tailor their investment strategy to their child’s age and risk tolerance. By providing a straightforward and flexible way to save for college, the TNStars® College Savings 529 Program program helps families secure their children’s educational future.


ABLE TN, a special savings program, is targeted towards individuals with physical and/or mental disabilities. It encourages them to save money for their disability-related expenses. This program is open to Tennessee residents who have been diagnosed with a qualifying disability prior to the age of 26.

By offering tax-free earnings and the ability to save and invest without impacting federal benefits, ABLE TN provides a valuable financial resource for individuals with disabilities and their families. This program empowers them to cover their disability-related expenses, enhancing their quality of life and promoting greater independence.

Military and Maternity Leave

Tennessee provides supportive leave policies for employees needing paid time- off for military service or to welcome a new family member, recognizing the importance of balancing work and family life.

Military leave benefits and employee maternity leave policies ensure that employees can take time off when needed without jeopardizing their careers.

Military Leave

For eligible retirees and those serving in the armed forces, military leave is accorded following state and federal laws like the Uniformed Services Employment and Reemployment Act (USERRA) and the Tennessee Administrative Code. These regulations provide annual leave, without pay for periods of service or training program activity with the Armed Forces of the United States or its reserve components.

In addition to the legal protections, employees on military leave are eligible to receive full pay for certain types of active or inactive duty in the National Guard or as a Reserve of the Armed Forces. Upon their return from military leave, employees are entitled to receive all pay increases, seniority increases, and other associated benefits that would have accrued during their absence.

Maternity Leave

As welcoming a new child is a joyous, life-altering event, Tennessee’s maternity leave policies are designed to provide critical support for employees during this phase. Maternity leave includes sick leave, or annual leave, or special leave without pay for a period of up to four months after giving birth. This time can be used to care and bond with the newborn..

In line with the Family and Medical Leave Act (FMLA) and Tennessee’s pregnancy leave law, eligible employees can take up to 12 weeks of leave for childbirth, adoption, or nursing an infant. While maternity leave is typically unpaid, some employers may offer paid leave options to support their employees during this critical life event.

Employee Perks and Discounts

Beyond the core of employee benefits themselves, employees in Tennessee have access to a variety of perks and discounts, adding ease and enjoyment to their lives. From recreation discounts at county parks and facilities to savings on products and services through the state employee discount program, these perks provide employees with added value and help them make the most of their hard-earned money.

Recreation Discounts

Recreation discounts offer a fun avenue for employees to relax and maintain their active lifestyle. Full-time and permanent part-time employees in Williamson County are eligible for discounts at county parks and recreation facilities. These discounts may include reduced fees for activities, classes, and events, allowing employees to enjoy their leisure time without breaking the bank.

Part-time and full time employees may also be eligible for discounts on recreational activities, depending on their employer’s policies. By offering these perks, employers encourage a healthy work-life balance and contribute to a happier and more engaged workforce.

State Employee Discount Program

The State Employee Discount Program presents a broad array of savings for both current and retired employees on products and services from diverse vendors. In addition to these discounts, state employees can receive reduced tuition, lodging, and camping fees at state parks, as well as access to exclusive discounts and insurances through the Tennessee State Employees Association. These perks help employees stretch their dollars further and enjoy a higher quality of life.

Relevant Statistics

  • Over 90% of Tennessee companies offer health insurance coverage as part of their employee benefits packages.
  • The average employer contribution towards retirement plans in Tennessee is 6% of the employee’s salary.
  • Approximately 80% of Tennessee employees have access to dental and vision coverage through their workplace benefits.
  • On average, Tennessee companies provide 15 days of paid vacation per year to their employees.
  • More than 70% of Tennessee businesses offer flexible work arrangements, such as telecommuting or flexible hours, as part of their benefits packages.

General Facts

  • Tennessee employee benefits packages typically include health insurance coverage.
  • Many employers in Tennessee offer retirement plans, such as 401(k) or pension plans.
  • Paid time off, including vacation and sick leave, is commonly included in employee benefits packages in Tennessee.
  • Some companies in Tennessee provide additional perks, such as gym memberships or tuition reimbursement programs.
  • Disability insurance and life insurance are often part of employee benefits packages in Tennessee to provide financial security for employees and their families.


In conclusion, Tennessee offers a comprehensive array of employee benefits, designed to support the health, well-being, and financial security of its workforce. From full health insurance coverage to retirement savings, educational opportunities, and other employee benefits and perks, these employee benefits can contribute to a happier, healthier, and more engaged workforce. By taking advantage of these valuable resources, employees can achieve a fulfilling work-life balance and enjoy a successful career in the Volunteer State.

Frequently Asked Questions

What benefits do Tennessee state employees get?

Tennessee state employees benefit from a variety of insurance, and health insurance and wellness programs, financial and retirement plans, family and parenting leaves, vacation and time-off programs, perks and discounts, and professional support services such as tuition assistance.

What is a standard benefit packages for employees?

Employee benefits packages typically include health care coverage, life insurance, dental insurance, a 401k, holidays, paid time off, retirement benefits, and other federal and state-mandated coverage such as COBRA, FMLA, disability, workers comp, and minimum wage standards.

How long do you have to work for the state of TN to get a pension?

To receive a pension from the State of TN, you must work for them for a minimum of five years. Once this vesting period is completed and the age requirement has been met, the employee is eligible to receive a monthly retirement benefit based on their years of service and salary.

What are 4 common employee benefits?

Common employee benefits include health insurance, retirement plan benefits, paid time off, dental and vision insurance, life insurance, flexible work schedule employee benefits, and paid family leave.

What is the Tennessee defined benefit plan?

The Tennessee Consolidated Retirement System (TCRS) retirement benefits program is a defined benefit plan that provides lifetime retirement, survivor and disability benefits to employees, retirees and their beneficiaries. Eligibility for the retirement benefit is based on salary and years of service, making it one of the strongest pension funds in the United States.

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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