Over a nice quiet dinner out with my husband we discussed the trending post-retirement topics inside our home this week. Financial independence city contenders for our desired lifestyle was one of the big points. Tinkering with viable long-term business ideas is another one. Then we talked about commodities trading and alternative investments.
Lastly, the much uglier topic was what would we do if our health became shaky or health care became even more expensive. If everything is going well, we much prefer to gamble for ourselves but life throws nasty curve balls. One of the most unfair of such curve balls is that wildcard healthcare. If we plan for children then the healthcare situation gets even riskier.
Of course, I was also 19 years old at the time but that idea wouldn’t be half bad to get me over a rough spot. If it comes down to it, my husband or I could be your next Walmart greeter!
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Lowes provides the same work benefits to part-time employees as to their full-time employees which is amazing. Full benefits include:
“Part-time Medical Plans, Pharmacy Discount Card, Dental, Vision, Life Insurance, Short Term Disability, Critical Illness, Accident Insurance, Fixed Indemnity, Auto and Home Insurance, Vacation, Holiday, 401(k) Plan, and Employee Stock Purchase Plan.”
All employees have 30 days to enroll and coverage will begin after the new month after working for 30 days. Part-time workers can transition to full-time employment internally. On top of benefits, Lowes provide learning and career development in demand trade program. Awesome. Note: Home Depot (Lowes competitor) does not offer medical or AD&D insurance to part-time associates. They only offer vision, dental, disability, and life insurance.
Starbucks offer benefits including medical, dental, life insurance and vision coverage. 401k matching and free college achievement plan make Starbucks a great company to work part-time. In order to receive Starbucks benefits, part-timers must work 20+ hours per week.
Working at Wally World might not always be glamorous (unless you were me at 19) but their health and work benefits are a step up. Walmart pays about 75% of healthcare premium cost and 60% of total health care costs for all working and eligible full or part-time associates. Walmart provides: medical plans to start at $23.20 per pay period, dental, vision, spouse coverage, HSA, disability, illness, company discount, 401k, stock and the list goes on and on.
Yes, Amazon Warehouse has received backlash for work conditions. But in a pinch, seasonal work and employees working more than 20 hours per week come with benefits like overtime pay, life and AD&D insurance at the time of this article. Amazon, like Starbucks, also has tuition reimbursement if they study-related fields in demand and relevant to a future career at Amazon. These Amazon careers include “medical technicians, paralegals, robotics engineers and solar panel installation professionals.” Well, that totally hints at what Amazon’s future plans are huh? 🙂 Medicine, robotics, and renewable energy? 😉
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All eligible part-time or full-time workers at Chipotle can get health insurance for themselves and their life partner. Dental and vision are covered for part-time employees and varying medical plans for individuals. 401k and matching after the first working year are available as well as tuition reimbursement for those that don’t want to work in fast food for a lifetime.
Part-time employees working at Costco enjoy good health care coverage (medical, vision, prescription, hearing, and behavioral) for them and their families. Other benefits include core dental plan, 401k plan, dependent care assistance, disability, life insurance to eligible part-timers who has worked for 180 days or 600 hours.
Sweet deal, I didn’t know this about REI. As long as you are working more than 20 hours a week, REI pays for the majority of employees’ medical plan cost with the Flex Plan. With generous profit-sharing benefits, health insurance, disability, life insurance, traditional 401k and even tuition reimbursement among other perks, it’s perfect for a full-time student looking for a part-time gig. But you need to work at REI for more than 1-year part-time to qualify for their benefits.
Nike has part-time health coverage for part-timers working over 20+. I will refrain since there is no evidence that policy is here today except they do offer sick time for part-time employees.
JP Morgan Chase
JPMorgan Chase offers a benefits package that includes life and accidental insurance, medical insurance, reimbursement for tuition, child care assistance and discounts on in-house products as long as you perform over 20 hours of work per week.
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This is my personal experience but isn’t the workers at Trader Joe’s are happier looking than a run-of-the-mill grocery chain employee? Starting salaries are higher at Trader Joe’s. Part-timers are eligible for medical, dental and vision at a small fee of $75/month and paid time off with more tenure. Trader Joe’s retirement match is at 10% of annual salary and annual salary increases based on tenure. There is also a 10% discount on Trader Joe products for in-store employees.
Whole Foods provides part-time employees with a decent health plan and overtime pay for those working 20+ hours a week. Employees get 20% to 30% off your sale purchases which is great for spending if you are a student. Like Trader Joe’s the working environment is more relaxed and WF has a good 401k plan.
Generally, industries regarding the state and federal government as well as the U.S. army come with well-equipped perks. Joining the army reserves is one avenue for part-time employees to receive some healthcare and family benefits.
UPS is one of the few companies that provide full-time perks for their part-time workers. United Postal Service offers hourly employees full benefits in medical, dental, HSA, life insurance, stock purchase incentives and tuition assistance for getting Associates and Bachelor’s degrees. Very impressive and a win-win for part-time workers!
Like UPS, FedEx offers competitive offers PTO and health, dental, and vision insurance, 401k etc. It is harder to move from part-time work to full-time for those working under 25 hours a week. But it’s an excellent way to build up experience right out of school for good benefits.
Barnes & Noble
Yes, we are all confused why Amazon has not killed off Barnes & Noble yet. But let’s hope they don’t roll over since part-time employees are able to receive paid vacation, sick days, and annual holidays. Furthermore, part-time employees can also enroll in dental and health plans after six months of employment.
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Healthcare is naturally an industry that offers strong benefits to employees. One of the best perks about the nursing pathway are the hours you can choose to work as a nurse, traveling or non-traveling. Part-time perks vary depending on the institution but often include bonus pay, medical, dental, vision, retirement + matching for all employed nurses.
Aldi skirts the definition of part-time and full-time. Working at an Aldi for more than 25 hours a week essentially means you are full-time which has full benefits. Anything less such as part-time has no benefits besides emergency days off.
This is something they never taught us in school when I feel like it’s one of the most important things to know. Please, please, please do not take for granted the ‘perks’ of a good job.
Without basic healthcare, retirement benefits, and respectable working conditions, it would be hard to build any wealth being exposed to the elements of real, raw, life.
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