A predictable benefits line for construction and trades employers.
Small crews feel group renewals the most: one or two older employees can move the whole rate. A CHOICE Arrangement lets you set a fixed allowance by class of employee instead. First, though, we separate W-2 employees, owners, and genuine independent contractors, because only employees can participate.
What We Hear From Contractors and Trades Employers
- Crews that mix W-2 employees, owners, and genuine independent contractors
- Seasonal work and project-based hiring
- Group premiums that jump with the age of a small crew
What We Confirm Before Any Design
Your industry tells us which questions to ask. It does not decide who can participate or how employee classes are set up; those follow federal rules and your actual workforce.
- Which workers are W-2 employees; genuine independent contractors cannot participate
- How owners are treated based on how the business is organized
- How seasonal and project hires fit your eligibility rules
Questions We Will Ask on the First Call
- Does "contractor" describe your industry, or how your workers are engaged?
- How seasonal is your headcount?
- When does your current plan renew, if you have one?
Get a Straight Answer on Fit
Request a fit check and a licensed FIG agent will follow up. If a group plan or no plan is the better answer for your crew, we will say so.
New to the idea? Start with how a CHOICE Arrangement works.