Employee benefits & policies in the USA

With so many employee benefits options in the USA, how do you choose the right benefits for your team?

Ben character at his computer

Employee benefits & policies in the USA

We’ve done the heavy lifting for you and created a handy guide to employee benefits in the USA.

To help you choose the perfect package for your team, we’ve outlined what counts as a:

  • statutory requirement
  • standard benefit
  • great benefit
Question mark
Benefits policies - company policies that involve employee benefits e.g., holidays, flexible working, maternity/paternity, etc.
πŸ“
Statutory
β˜‘οΈ
Market Standard
🌟
Great

Holidays

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

10 days paid

10 national holidays

πŸ‘
Above & Beyond

Unlimited or Flexible time off

Flexible Working

πŸ“
Statutory

Not applicable

πŸ‘
Competitive
πŸ‘
Above & Beyond

Discretionary Paid Time Off Program

Negotiable schedule - hybrid

Sick Leave

πŸ“
Statutory

Not applicable

Dependent on State

πŸ‘
Competitive

5 days paid

πŸ‘
Above & Beyond

10 days paid

Paternity Pay

πŸ“
Statutory

Not applicable

πŸ‘
Competitive
πŸ‘
Above & Beyond

5-10 days paid

Maternity Pay

πŸ“
Statutory

Not applicable

6 weeks unpaid

FMLA

πŸ‘
Competitive

6-8 weeks paid with option to take additional unpaid

πŸ‘
Above & Beyond

20 weeks paid

Other

πŸ“
Statutory

Not applicable

πŸ‘
Competitive
πŸ‘
Above & Beyond

Charitable donation match

Volunteer days or service week

Referral Schemes

Sabbaticals

Question mark
Core benefits - Β traditional employer-paid benefits products e.g., insurances (health/life) and pension with core coverage
πŸ“
Statutory
β˜‘οΈ
Market Standard
🌟
Great

Medical

πŸ“
Statutory

Not applicable

Affordable Care Act

πŸ‘
Competitive

Negotiated plans - Employee choice

Some dependent coverage

πŸ‘
Above & Beyond

Full coverage including dental, vision, part of large hospital networks

Coverage of dependents

Other Health

πŸ“
Statutory

Not applicable

Medicaid and Medicare

πŸ‘
Competitive

Private dental

πŸ‘
Above & Beyond

Private dental and vision

Pension

πŸ“
Statutory

Not applicable

Social Security

πŸ‘
Competitive

Private pension plan

πŸ‘
Above & Beyond

Life Insurance

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

Basic group plan

No roll-over

Serious health issue coverage

πŸ‘
Above & Beyond

Supplemental coverage (4-6x + salary)

Private plan stipend

Income Protection

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

Private plan - 60% salary after short-term over

2 years, 5 years or up to age 65

πŸ‘
Above & Beyond

Private plan - 100% salary up to age 65

Question mark
Supplemental benefits - contemporary benefits to give your benefits package an edge e.g., flex allowances & salary sacrifice options
πŸ“
Statutory
β˜‘οΈ
Market Standard
🌟
Great

Wellbeing

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

Counseling through healthcare

πŸ‘
Above & Beyond

Employee Assistance program

Mental health/meditation apps

Gym membership reimbursement

Bike share

Telemedicine

Fertility & adoption financial assistance

Learning and Development

πŸ“
Statutory

Not applicable

πŸ‘
Competitive
πŸ‘
Above & Beyond

Training courses

Tuition assistance

L&D stipend

Working from Home

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

WFH allowance

New technology

πŸ‘
Above & Beyond

Fully Remote

Salary Sacrifice & Other

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

401(k) plan - employee contribution

πŸ‘
Above & Beyond

401(k) plan 1:1 matching

HSA

FSA

Employee stock option

Child care subsidy

Financial advice

Commuter allowance

Legal advice

Food & Drink

πŸ“
Statutory

Not applicable

πŸ‘
Competitive

In office snacks and beverages

Monthly happy hours/socials

πŸ‘
Above & Beyond

Weekly happy hours/socials

Free breakfast or lunch

What are the tax implications of employee benefits & policies in the USA

Tax is a tricky one - especially with a global team to manage. Our tax guide simplifies the tax implications of various employee benefits in the USA for you.

We’ve narrowed down how employee benefits affect:

  • Tax reporting
  • Employer tax
  • Employee tax
Question mark
Benefits policies - company policies that involve employee benefits e.g., holidays, flexible working, maternity/paternity, etc.
πŸ“
Tax Reporting
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
‍Employee Tax
No items found.
Question mark
Core benefits - Β traditional employer-paid benefits products e.g., insurances (health/life) and pension with core coverage
πŸ“
Tax Reporting
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax
No items found.
Question mark
Supplemental benefits - contemporary benefits to give your benefits package an edge e.g., flex allowances & salary sacrifice options
πŸ“
Tax Reporting
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

Wellbeing

πŸ“
Statutory
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

Learning and Development

πŸ“
Statutory
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

Working from Home

πŸ“
Statutory
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

Salary Sacrifice & Other

πŸ“
Statutory
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

Food & Drink

πŸ“
Statutory
πŸ‘©β€πŸ’Ό
Employer Tax
πŸ‘«
Employee Tax

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