Childcare is one of the hardest businesses to run. Margins are thin, regulations are heavy, and turnover is constant. A group health plan is usually out of reach. Meanwhile your staff is on their feet all day, lifting children, and exposed to every illness that comes through the door — with no safety net if they get hurt or sick enough to miss work.
Voluntary benefits give your team real coverage they pay for themselves through payroll deduction, at no cost to the center. For a field where keeping good people is everything, it's one of the few benefits you can actually offer.
Daycare work is physical and it's high-exposure. Lifting and carrying kids strains backs and shoulders. Slips and falls happen. And the constant contact with children means staff get sick more than almost any other workforce. When a teacher is out for a week with no paid leave and no coverage, that's a direct hit to a paycheck most of your staff can't absorb.
Turnover is the defining problem in childcare — and it's expensive. Every time a teacher leaves, you're recruiting, training, and often paying more to backfill. Offering benefits at no cost to the center gives your staff a concrete reason to stay, in a field where most centers offer nothing beyond a paycheck.
A counselor meets with each staff member and handles enrollment. You set up the payroll deduction once. You're not paying premiums or fielding insurance questions.
Hospital indemnity pays a flat amount for each day in the hospital — useful for a workforce with heavy illness exposure. Accident pays for injuries like falls and strains. Short-term disability replaces part of the income when a staff member can't work. Each person enrolls in what fits their needs and budget.
A licensed and independent broker can build a no-cost program for your center, run the enrollment, and handle the staff side from start to finish.
A licensed broker walks you through a no-cost program for your business. 15 minutes.
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