Overlooking eligibility

Which employees qualify for benefits, and when?

Imagine hiring someone who starts on Monday and gets benefits from day one. Monday evening they use $2,000 of dental, and on Tuesday they leave. Those claims hit your plan, and every long-term employee feels it at renewal.

Consider a waiting period: new employees might wait three or six months before qualifying. Most turnover happens in the first few months, so a longer waiting period makes sense for roles that turn over often. Insurers price an annual dental benefit expecting twelve monthly payments for it.