• Texas
    企业团体健康保险“最低参与率”:HR和企业主必知指南!参保不达标为何会被拒保? 企业申请团体健康保险时,“最低参与率”是最重要的门槛之一。简单说:符合资格的员工要有一定比例参保,或提交有效豁免(如配偶计划、Medicare、Medicaid等)。多数州/SHOP参考约70%标准,不达标可能被拒保或提高续保成本。计算方式很关键:“参保人数+豁免 ÷ 符合资格员工总数”。策略包括提升雇主缴费比例、提前收集豁免、把握特殊注册期。HR和企业主必须重视这个指标。详细阅读: 为员工提供团体健康保险是吸引和留住人才的关键福利之一。然而,在申办过程中,企业主和人力资源(HR)专业人士常常会遇到一个关键门槛——“最低参与率”(Minimum Participation Rate)。这项要求规定了必须有多少比例的合格员工加入保险计划。不理解或未能满足这一要求,可能导致保险申请被拒,浪费宝贵的时间和精力。本文旨在深入解析最低参与率的定义、其背后的原因、具体计算方法,并为企业提供有效满足该要求的实用策略。 什么是最低参与率? 团体健康保险的成功运作,离不开一个核心原则:足够多的员工参与。最低参与率正是确保这一点的机制。它指的是保险公司要求企业必须达到的、投保员工占所有符合资格员工的最低百分比。 这项要求的设立,是为了确保健康计划能够覆盖足够多的员工,从而有效分散风险并维持财务上的可行性。一个常见的基准是小企业健康选择计划(SHOP),它在许多州都规定,至少 70% 的合格员工必须参与团体健康计划,或者拥有其他合格的保险(例如通过配偶的计划或政府计划)。 此举的主要目的在于建立一个广泛且多样化的风险池。当一个包含健康状况良好和风险较高个体的员工群体共同参与时,保险公司就能更好地平衡赔付成本,从而为所有参与者提供更稳定、更实惠的保费。对于任何希望提供团体保险的企业而言,透彻理解这一门槛是成功投保的第一步。接下来,我们将探讨为什么保险公司如此看重这项要求。 为什么保险公司要设置此项要求? 对于保险公司而言,设置最低参与率是一项至关重要的风险管理工具。它的核心逻辑在于,通过确保足够多的员工参与,保险公司能够将风险在更广泛的人群中分摊,从而平衡健康个体与高风险个体之间的成本,最终使每个人的保费都更加可负担。 保险公司设置此项要求的核心原因主要有两个: 风险管理 (Risk Management): 一个规模庞大且成员多元化的保险池是维持计划稳定性的基石。如果只有少数员工投保,保险公司将面临更高比例的高风险个体,这可能导致赔付成本急剧上升。 避免“逆向选择” (Adverse Selection): “逆向选择”是指只有那些预期自己会有高额医疗开销的员工才选择投保。这种失衡的参与情况会导致保费与赔付的比例严重失衡,推高整体索赔成本。其后果是,保险公司可能在下一年度大幅提高保费,甚至拒绝续保,最终使该保险计划对企业而言无法持续。 数据显示,员工的参保资格池是相对稳定的。例如,在2023年,小型企业中有 82% 的员工有资格参加其公司提供的健康福利,这一比例高于前一年的79%,并且与过去五年和十年的数据基本一致。这种稳定性向保险公司证明了,存在一个稳定且可预测的潜在参与者群体,这是其风险模型的基础。通过设定最低参与率,保险公司可以确保这个稳定的资格池能转化为一个同样稳定和可预测的投保群体。 对于企业主和HR专业人士而言,满足这些门槛的意义重大。它直接决定了企业是能够获得一个可行的团体保险计划,还是被迫转向其他成本更高、吸引力更低的替代方案,甚至可能完全失去提供团体保险的资格。   各州要求有何不同? 虽然最低参与率是团体健康保险的普遍特征,但具体要求在不同州之间可能存在显著差异。每个州都有权为团体健康保险制定自己的法规,这意味着参与率的具体百分比和相关规定会因地而异。 例如,许多州采纳的**小企业健康选择计划(SHOP)**通常以 70% 作为基准,要求合格员工要么参与计划,要么拥有其他替代保险。然而,部分州份可能会根据当地的法规和市场状况,设定更灵活的门槛。 此外,不同行业的员工资格率差异也可能使满足参与要求变得更加复杂。例如,零售业工人的平均合格率尤其低,仅为 54%。这种较低的合格率使得零售等行业的企业在满足参与门槛方面面临更大挑战,因为从一开始符合投保资格的员工基数就相对较小。 因此,企业必须随时了解所在州的具体规定,以确保合规,并充分利用任何可行的投保选项。咨询专业的福利顾问是有效驾驭这些地区性差异的明智之举。了解了规则之后,下一步就是如何准确地应用它们。   如何计算最低参与率? 准确计算参与率是企业申请团体健康保险时至关重要的一个实际步骤。这个过程能帮助您确定需要多少员工投保才能达到保险公司的门槛。具体要求的百分比因州和保险公司而异,但通常在70%到75%之间。 以下是计算参与率的清晰步骤: 第一步:确定符合资格的员工 首先,您需要明确哪些员工作为计算基数。这个群体通常包括所有全职员工,是计算参与率的分母。无论员工是否拥有其他保险,只要他们符合公司的投保资格,就应被计入这个总数。 第二步:计算所需达标人数 将符合资格的员工总数乘以保险公司要求的参与率百分比。例如,如果您有20名合格员工,而保险公司要求70%的参与率,那么您需要达到的目标人数就是14人(20 x 0.70 = 14)。 第三步:考虑豁免情况 员工如果已经拥有其他合格的健康保险(如通过配偶的计划、Medicare或Medicaid),他们可以提交豁免申请。这些持有有效豁免的员工,其人数可以计入您在第二步中计算出的“所需达标人数”。也就是说,实际投保的员工人数加上持有有效豁免的员工人数,必须等于或超过所需达标人数。他们的缺席不会对您的参与率计算产生负面影响。 计算示例 为了更直观地理解,以下是两个常见场景: 场景一:拥有20名员工的小型企业 符合资格的员工: 20 要求的参与率: 70% 需要投保或豁免的员工总人数: 14 (20 x 0.70) 场景二:拥有100名员工的企业 符合资格的员工: 100 要求的参与率: 75% 需要投保或豁免的员工总人数: 75 (100 x 0.75) 对于员工人数可能发生变动的企业来说,定期进行此项计算是确保始终合规的良好实践。掌握了计算方法后,让我们探讨如何通过有效策略来达成目标。   企业和HR如何满足要求? 满足最低参与率要求有时会是一项挑战,特别是对于团队规模较小或员工需求多样化的企业。幸运的是,企业主和HR专业人士可以采取多种有效策略来提高员工的投保率,确保顺利达标。 以下是两大类核心策略: 激励员工投保 提供财务激励: 雇主出资分担部分保费,可以显著降低员工的经济负担,使保险计划更具吸引力。 宣传长期价值: 积极向员工宣传健康保险的长期益处,如获得预防性医疗服务和拥有安心保障,有助于说服犹豫不决的员工加入。 捆绑额外福利: 将健康保险与健康计划(Wellness Programs)等额外福利打包,可以提升整体价值。这些福利可能包括健身房会员资格、心理健康资源或财务健康服务,从而吸引更多员工投保。 利用例外与豁免条款 关注特殊注册期: 某些州或保险公司会提供“特殊注册期”,在此期间可能会暂时豁免最低参与率要求。例如,根据联邦小企业健康选择计划(SHOP),部分州允许企业在这些特定时期内投保,为不达标的企业提供机会。 善用豁免资格: 拥有其他合格保险(如配偶计划)的员工可以被豁免,他们的豁免资格有助于企业达标。HR应主动收集这部分员工的豁免证明,这有助于在不增加投保人数的情况下满足总参与人数的要求。 通过综合运用这些策略,企业可以显著提高满足参与率要求的机会,从而成功地为团队提供富有竞争力的健康福利。   对于中小型企业主和HR专业人士而言,理解和应对团体健康保险的最低参与率要求无疑是一项复杂但至关重要的任务。只有掌握这些规则,企业才能成功地为团队争取到全面且价格合理的健康福利。 正在规划员工健康保险? 联系我们的持牌保险经纪人,获取一份免费报价。 我们为加利福尼亚州、德克萨斯州以及跨州经营的雇主提供支持。
    Texas
    2025年12月24日
  • Texas
    德州联邦法官全国范围内推翻联邦贸易委员会禁止竞业限制协议的禁令 On August 20, 2024, a federal judge in Texas struck down the Federal Trade Commission's (FTC) nationwide ban on noncompete agreements, ruling that the ban exceeded the agency's statutory authority and violated the Administrative Procedure Act. This decision, just 15 days before the ban was set to take effect, marks a significant victory for employers, particularly in the healthcare sector, and a setback for medical workers who anticipated increased job mobility and wage growth. The ruling also aligns with concerns from the American Hospital Association and other industry groups regarding the potential disruptive impact of the ban. The FTC is considering an appeal, but the ruling emphasizes the ongoing legal challenges surrounding the agency's authority to regulate noncompete agreements. 德克萨斯州一位联邦法官周二推翻了联邦贸易委员会(FTC)对雇佣合同中竞业限制协议的禁令,裁定该禁令违反了《行政程序法》并超出了该机构的法定权限。 这一裁决适用于全国范围,并在禁令原定于9月4日生效前15天作出。 美国德克萨斯北区地方法院的艾达·布朗法官上个月已经做出裁定,初步禁止FTC的竞业限制禁令,但仅限于本案的原告。 然而,布朗法官在8月20日的决定中完全取消了这一规定,因为她写道,APA“并未考虑针对特定当事方的救济”。 这一决定是对美国商会——全国最大的商业游说团体——的胜利,商会与一家税务公司一起提起了诉讼。 对于医疗行业而言,这一裁决则是喜忧参半。禁令原本被认为可以帮助被限制性合同束缚的医生、护士和其他医疗工作者更容易换工作,并可能促使工资上涨。 据美国医学会称,大约35%到45%的医生受到竞业限制协议的约束。 然而,关于禁令仍有一些悬而未决的问题,包括FTC是否有法律权力颁布此禁令、是否适用于非营利性医院以及它将如何影响并购活动、医生短缺和招聘工作,特别是对较小的地区系统。 强烈反对这一禁令的强大医院游说团体——美国医院协会,对法官的决定表示了赞扬。 “这一规定是监管权力的惊人宣示……更糟糕的是,委员会没有尝试理解它对医院、卫生系统以及他们所服务的患者所产生的破坏性影响,”AHA总法律顾问查德·戈尔德在与Healthcare Dive分享的声明中说。 与此同时,FTC发言人维多利亚·格雷厄姆表示,FTC正在“认真考虑”上诉。 格雷厄姆指出,布朗的裁决并未阻止监管机构通过个案执法来追究过度限制性的竞业限制协议。 今年4月,FTC以3票对2票通过了这项禁令,该禁令将使所有现有的竞业限制协议(除了一些高级管理人员外)不可执行,并禁止签订新的此类合同。两位共和党委员投票反对这一禁令,认为FTC没有国会授权来实施它。 在周二的裁决中,布朗法官认为《联邦贸易委员会法》确实赋予FTC“制定规则以排除不公平竞争方法”的某些权力,但该机构“没有创建实质性规则”的权力,比如竞业限制协议禁令。 这一观点得到了这样一个事实的支持,即国会没有为某些FTC法规的违反规定制裁措施,“这表明缺乏实质性效力”,她说。 布朗还得出结论认为,FTC的禁令在《行政程序法》意义上是任意和反复无常的,因为它不合理地过于宽泛且没有合理解释。 法官表示,该机构未能为其决定禁止所有竞业限制协议而不是针对具体有害协议提供证据。 布朗的裁决与7月23日支持FTC的宾夕法尼亚州联邦法官的裁决相冲突,该法官拒绝阻止禁令。上周,佛罗里达州的一位联邦法官也对禁令发布了有限的禁令,认为FTC可能超越了其法定权限。 这些不同的裁决表明,FTC是否有权禁止竞业限制条款的问题可能会面临上诉审查。
    Texas
    2024年08月24日
  • Texas
    Rest and Lunch Break Laws in Every US State (2024) Employee meal and rest break rights depend on their own laws according to their state. Meal, rest and minor breaks are detailed below for states of Alabama, Alaska, California…. Summary Federal law does not require meal or rest breaks. – More Some states have laws requiring meal and rest breaks – failing to comply can result in severe fines and even lawsuits.  Employers can reduce their risk exposure by automatically scheduling meal breaks and recording them on timesheets with the right software.  – More When it comes to rest and lunch breaks, it’s easy for managers to assume that a few minutes here and there won’t make a difference. However, this is simply not the case. We’ve seen break-rule violations result in costly lawsuits over the past several years. In April of 2022, an Oregon healthcare facility filed a lawsuit with the federal court system to overturn the state’s detailed meal and rest break rules. It’s an attempt to get out of nearly $100 million in fines due to persistent violations of employee meal and rest break rights dating all the way back to 2015. What’s confusing is that if this healthcare facility was in a different state, say Arkansas, these violations and fines would not exist. Federal guidance on the subject of lunch breaks is slim to none – but state laws concerning paid and unpaid breaks vary. It’s important to understand what state-specific rules do and do not apply to your business. While these rules can be convoluted, it is actually quite easy to comply these days with the right scheduling software in place. Federal break laws No federal law requires companies to offer breaks during work hours for meals or any other purpose. However, according to the U.S. Department of Labor, federal law says that if a company chooses to allow break periods, any break under 20 minutes should be paid, and any over 30 minutes can be unpaid and classified as “off-the-clock.” So, in essence, the federal government leaves it up to the employer. Rest breaks (under 20 minutes) are paid, and meal breaks (over 30 minutes) are unpaid. If a state has no laws regarding breaks, these federal standards automatically apply. State break laws It is up to the states to choose their own lunch and rest break laws. Some states default to the federal policy, while others have their own set of specific regulations to follow. All meal and rest break laws only apply to non-exempt employees. For exempt employees receiving over $23,000 annually, breaks are at the employer’s discretion. Find your state below and click on it to see its rest and lunch break rules: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alabama Meal Break: None Rest Break: None Minor Break:14-15-year-old employees who work more than 5 continuous hours get a 30-minute break. Alabama defaults to federal law regarding breaks for workers aged 16+. If an employer chooses to provide a break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Alaska Meal Break: None Rest Break: None Minor Break: Minors ages 14-17 who work 5+ consecutive hours get a 30-minute break. Alaska defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Arizona Meal Break: None Rest Break: None Minor Break: None Arizona defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Arkansas Meal Break: None Rest Break: None Minor Break: None Arkansas defaults to federal law regarding breaks for workers of all ages. If an employer chooses to provide a break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than this do not need to be paid as long as the employee is completely relieved of all duties. The state does have a special lactation break law. Employers must provide reasonable unpaid break time to employees who are lactating. These breaks must be taken in a private place close to their work area (not a bathroom stall). Back to top California Meal Break: Employees get a 30-minute paid meal break during a shift that is longer than five consecutive hours. If the employee is relieved of regular work duties and can leave the premises during their break, the break goes unpaid. But if these requirements are not met, the break must be paid at the regular rate of pay. An employee may also waive their lunch break upon mutual consent with management if a workday will be completed in six hours or fewer. If a work shift is longer than 10 hours, a second 30-minute rest break must be provided. If a total of 12 hours or fewer are worked in a day, this second meal break may be waived, but only if the first meal period was not waived. Employees who work longer than 15 hours get an additional third 30-minute break. If they work longer than 20 hours, they get a fourth 30-minute break. If an employer fails to provide an employee a meal break during a shift, they owe the employee one extra hour of pay at the employee’s regular rate. Rest Break: Employees get a 10-minute paid rest break every 4 hours. A 10-minute break is not required for work time totaling less than three and a half hours. Employees working in extreme weather conditions must also be provided with a five-minute “recovery period” in a protected environment in addition to their meal and rest break. For every day an employee is forced to work through one or more of their rest breaks, their employer must pay them one additional hour of wages at the regular rate. Minor Break: N/A Back to top Colorado Meal Break:30minutes for employees who work 5+ hours. If the break is “duty-free” it goes unpaid. However, if a “duty-free” meal is not possible, the employee may take an “on-duty” meal, in which case the employee must be paid. Rest Break:10minutes paid per 4 hours worked only for employees in the retail, food and beverage, commercial support, health, and medical industries. Minor Break: N/A Back to top Connecticut Meal Break: 30 minutes for non-exempt employees who work at least 7.5 hours. Employers are exempt from this requirement only if: Complying endangers public safety The duties of the position can only be done by one employee Fewer than five employees are working a shift in a particular location Operations require employees to be available to respond to urgent conditions Rest Break: None Minor Break: N/A Back to top Delaware Meal Break: Unpaid 30 minutes for employees 18+ who work at least 7.5 hours. Meal breaks must be given sometime after the first two hours of work and before the last two hours of work. Employers are exempt from this requirement only if: Complying endangers public safety The duties of the position can only be done by one employee Fewer than five employees are working a shift in a particular location Operations require employees to be available to respond to urgent conditions There exists a collective bargaining agreement that provides otherwise The employee is employed by a local school board to work directly with children Rest Break: None Minor Break: 30 minutes for employees under 18 for every 5 consecutive hours of work. Back to top Florida Meal Break: None Rest Break: None Minor Break: 30 minutes for employees under 18 who work more than 4 hours. Florida defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Georgia Meal Break: None Rest Break: None Minor Break: None Georgia defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Hawaii Meal Break: None Rest Break: None Minor Break: 30 minutes for 14 and 15-year-old employees who work five consecutive hours Hawaii defaults to federal law regarding breaks for workers aged 16 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Idaho Meal Break: None Rest Break: None Minor Break: None Hawaii defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Illinois Meal Break: At least 20 minutes unpaid for employees who work 7.5+ continuous hours. Must be given no later than five hours after beginning work. Rest Break: None Minor Break: At least 30 minutes for employees under 16 who work 5+ hours. Back to top Indiana Meal Break: None Rest Break: None Minor Break:1-2 breaks totaling 30 minutes for employees under 18 who work at least six consecutive hours. Indiana defaults to federal law regarding breaks for workers aged 18+. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Iowa Meal Break: None Rest Break: None Minor Break: At least 30 minutes for employees under the age of 16 who work 5+ consecutive hours. Iowa defaults to federal law regarding breaks for workers aged 16 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Kansas Meal Break: None Rest Break: None Minor Break: None Kansas defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Kentucky Meal Break: Reasonable unpaid break period (typically 20-30 minutes long) after the third and before the fifth hour of work for employees who work 5+ consecutive hours. Rest Break: 10 minutes after every 4 hours of work. Minor Break: N/A Back to top Louisiana Meal Break: None Rest Break: None Minor Break: At least 30 minutes unpaid for employees under 18 who work five consecutive hours Louisiana defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Maine Meal Break: None Rest Break: At least 30 minutes unpaid for all employees who work 6+ hours, but only if there are three or more people on duty. Minor Break: N/A Back to top Maryland Meal Break: None for the majority of employees. However, under the Healthy Retail Employee Act, retail organizations with 50+ staff operating for 20+ calendar weeks must give employees a 30-minute meal break if they work a shift that is longer than six hours. Rest Break: Under the Healthy Retail Employee Act, certain retail employees are entitled to 15-minute breaks when they work shifts that last 4-6 hours. Employees who work for 8+ hours receive an additional 15-minute break for every additional four hours worked. Minor Break: 30 minutes for employees under 18 for every five consecutive hours of work. Back to top Massachusetts Meal Break: 30 minutes unpaid for employees who work 6+ hours, excluding those in factory and mechanical establishments. Rest Break: None Minor Break: N/A Back to top Michigan Meal Break: None Rest Break: None Minor Break: At least 30 minutes for employees under 18 if they work more than 5 consecutive hours. Michigan defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Minnesota Meal Break: Sufficient unpaid time to eat a meal for employees who work 8+ hours. Must be paid if less than 20 minutes. Rest Break: Sufficient time to use the restroom every 4 hours. Minor Break: N/A Back to top Mississippi Meal Break: None Rest Break: None Minor Break: None Mississippi defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Missouri Meal Break: None Rest Break: None Minor Break: None Missouri defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Montana Meal Break: None Rest Break: None Minor Break: None Montana defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Nebraska Meal Break: None Rest Break: At least 30 minutes per 8-hour shift for assembling plant, workshop, or mechanical establishment employees. Minor Break: None Back to top Nevada Meal Break: At least 30 minutes for employees working 8+ continuous hours. Rest Break: At least 10 minutes paid every 4 hours. This break is not typically required if an employee’s total work time is less than three and a half hours. Minor Break: N/A Back to top New Hampshire Meal Break: 30 minutes for employees who work 5+ consecutive hours. Rest Break: None Minor Break: N/A Back to top New Jersey Meal Break: None Rest Break: None Minor Break: At least 30 minutes for employees under 18 who work 5+ hours. New Jersey defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top New Mexico Meal Break: None Rest Break: None Minor Break: None New Mexico defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top New York Meal Break:30minutes for employees who work 6+ hours between 11 am and 2 pm. 45 minutes for employees midway through a 6+ hour shift that starts between 1 pm and 6 am. An additional 20 minutes between 5 pm and 7 pm for those working a shift starting before 11 am and continuing after 7 pm. Different rules apply to factory workers. They get a 1-hour lunch period anywhere between 11 am and 2 pm for 6+ hour shifts or a 60-minute break midway through a shift of more than 6 hours that starts between 1 pm and 6 am. Rest Break: 24 consecutive hours per week Minor Break: N/A Back to top North Carolina Meal Break: None Rest Break: None Minor Break: At least 30 minutes for employees under 16 who work 5+ hour shifts. North Carolina defaults to federal law regarding breaks for workers aged 16+. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top North Dakota Meal Break: 30 minutes unpaid for employees who work 5+ hours when two or more employees are on duty. Rest Break: None Minor Break: N/A Back to top Ohio Meal Break: None Rest Break: None Minor Break: At least 30 minutes unpaid for employees under 18 working five consecutive hours or more. Ohio defaults to federal law regarding breaks for workers aged 18+. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Oklahoma Meal Break: None Rest Break: None Minor Break: At least 30 minutes for every 5 hours worked and 1 hour for every 8 hours worked for employees under 16. Oklahoma defaults to federal law regarding breaks for workers aged 16 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Oregon Meal Break: At least 30 minutes, unpaid, uninterrupted, and relieved of all duties, must be provided per 6 hours worked. No meal break is required for shifts under 6 hours. 6-14 hours: 1 break 14-22 hours: 2 breaks 22-24 hours: 3 breaks Rest Break: 10 minutes paid based on hours worked. 2-6 hours: 1 break 6-10 hours: 2 breaks 10-14 hours: 3 breaks 14-18 hours: 4 breaks 18-22 hours: 5 breaks 22-24 hours: 6 breaks Minor Break: Workers under 18 receive the same meal breaks as adults; however, it is required that they get 15-minute rest breaks rather than 10-minute breaks. Back to top Pennsylvania Meal Break: None Rest Break: None Minor Break: 30 minutes per 5 hours for workers under 18 years of age. Pennsylvania defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Rhode Island Meal Break: 20 minutes for employees who work 6 hours and 30 minutes for employees who work 8+ hours. The break may be unpaid if the employee is relieved of all duties. Rest Break: None Minor Break: N/A Back to top South Carolina Meal Break: None Rest Break: None Minor Break: None South Carolina defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top South Dakota Meal Break: None Rest Break: None Minor Break: None South Dakota defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Tennessee Meal Break: At least 30 minutes for employees who work 6+ hours Rest Break: None Minor Break: N/A Back to top Texas Meal Break: None Rest Break: None Minor Break: None Texas defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Utah Meal Break: None Rest Break: None Minor Break: At least 30 minutes for lunch no later than 5 hours into the workday for employees under 18. They must also be given a 10-minute rest break for every 4 hours worked and cannot work 3+ consecutive hours without a 10-minute break. Utah defaults to federal law regarding breaks for workers aged 18 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Vermont Meal Break: Employees must have a “reasonable opportunity” to eat and use the restroom. This opportunity must be paid if it is less than 20 minutes. Rest Break: None Minor Break: N/A Vermont has a special lactation break law requiring employers to provide reasonable break time throughout the day to employees who are lactating. It is left to the employer’s discretion whether these breaks are paid or unpaid unless denoted by a collective bargaining agreement. Back to top Virginia Meal Break: None Rest Break: None Minor Break: At least 30 minutes for employees under 16 who work 5+ consecutive hours. Virginia defaults to federal law regarding breaks for workers aged 16 and over. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Washington Meal Break:30minutes for every 5 consecutive hours worked, given not less than 2 hours nor more than 5 hours from the beginning of a shift (excludes agricultural employees). 30 additional minutes for employees who work at least 3 hours past the time they normally end their shift. Unpaid if the employee is completely free of duties. Rest Break: At least 10 minutes for every 4 hours worked. Minor Break: 14 and 15-year-old employees must have a 30-minute meal break before working 4 consecutive hours. A 30-minute meal break is required for employees ages 16 and 17 no less than 2 hours but no more than 5 hours from the beginning of their shift. Back to top West Virginia Meal Break: 20 minutes for employees who work 6+ hours. Rest Break: None Minor Break: At least 30 minutes if scheduled to work over 5 hours. Back to top Wisconsin Meal Break: None Rest Break: None Minor Break: 30 minutes duty-free for employees under 18 working 6+ consecutive hours. 16 and 17-year-olds must have 8 hours of rest between shifts if scheduled after 8 pm. Wisconsin defaults to federal law regarding breaks for workers aged 18+. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid as long as the employee is completely relieved of all duties. Back to top Wyoming Meal Break: None Rest Break: None Minor Break: None Wyoming defaults to federal law regarding breaks for all workers. If an employer chooses to provide a meal break, it must be paid only if it lasts less than 20 minutes. Breaks lasting longer than 30 minutes are classified as meal periods and do not need to be paid, as long as the employee is completely relieved of all duties. Back to top Meal vs. rest breaks The main difference between a meal and a rest break is often its length. The typical meal break is 20-30 minutes and must be taken around midday, while a rest break is usually anywhere between 10-15 minutes and occurs at regular intervals throughout a shift. As with lunch breaks, no federal labor law requires short breaks at work. Only 11 states have local laws requiring employers to offer rest periods during work hours, and these short breaks almost always come in addition to a meal break. For instance, Colorado requires a 30-minute meal break for 5+ hour shifts and a 10-minute break for every four hours of work. Sometimes, however, it’s all just semantics. Take Maine, for example. The Pine Tree State is the only one of these 11 states that does not have a “meal break” per see, but it does have a rest break, requiring 30 minutes for work periods of over six hours. Technically, it’s not a meal break, just a rest break, but you and I both know it’s used for lunch. Minors and break laws State laws typically afford minors more break leniency than adult employees. While most state meal break rules for adults automatically cover minors, some states have specific standards for those under 18. Delaware, for example, gives adults a 30-minute break for seven and a half hours worked while giving those under 18 the same break time for only five hours worked. Some states with no adult lunch or rest break rules have unique break laws for minors. For instance, Louisiana and Michigan require employers to give 30-minute breaks to employees under 18 for shifts longer than five consecutive hours. However, In Hawaii, this same rule applies only to 14 and 15-year-olds. Managing rest and meal breaks If your state has specific rest break requirements, it’s essential that management understands them and takes appropriate action to uphold them. This, of course, is sometimes easier said than done. Without the right protocols and tools in place, tracking breaks can be tough, especially in complicated states like California, Oregon, and New York. Luckily, there are many ways to automate the workload. An online employee scheduling and time tracking platform like Workforce.com handles all break and employment law compliance for you, meaning staff will never miss breaks, and your business will never be penalized. Here are a few specific ways the cloud-based system helps you plan lunch breaks and calculate compensation accurately: Auto-schedule compliant breaks Workforce.com’s scheduling allows managers to automatically apply compliant meal and rest breaks to employee schedules according to local state laws. Employees can easily view these breaks from their phones, knowing exactly when to work and rest. Capture break clock-out data Via a time clock app, staff can temporarily clock out for breaks, and then clock back in once their break is over. This granular time clock data helps managers easily pinpoint non-compliant break times on timesheets. Utilize time clock questions Managers can create conditional questions that appear whenever an employee clocks out of a shift. These questions may ask things like “Did you waive your break?” or “Did you take your break?” depending on the length of the shift. Answers will automatically add all necessary premiums and allowances to timesheets, ensuring employees are always paid accurately. Track breaks in real-time With a live time clock feed, managers can see who’s working, who’s not, and who’s on break – all in one place and in real-time. This frontline visibility helps managers respond more quickly to lunch break non-compliance. Manage break rules across state lines Workforce.com has robust team and location functionality, letting you set up multiple locations on the platform. Break rules at each location can be configured according to local state laws, ensuring chains stay organized no matter where they are in the country. Support staff and protect your business with better breaks There are two key things managers can do right now to ensure their business stays on the right side of the law. One is to understand and adhere to whatever legislation applies in your state. The other is to be clear about what breaks are allowed, encourage staff to use them, and ensure they are accurately recorded. Doing all of this manually is a huge task and is prone to human error. Use employee scheduling software instead to automate how breaks are administered. Pair it with a time and attendance system to log hours and wages accurately so you’ll never have to search old time cards and spreadsheets for the needed data. Sound intriguing? Get in touch with us today, let’s talk about it. But getting break times right doesn’t just reduce your risk exposure – it also makes for happier employees. Shift workers deserve their breaks. Routinely taking time during a shift to eat, rest, and recharge always helps productivity and, most importantly, mental health. SOURCE Workforce
    Texas
    2024年01月21日