Who we serve / Landscaping & home services
Benefits that reach crews in the field.
Early departures, overnight cleaning, changing job sites, and seasonal work call for a clear enrollment process and coverage employees can use near home.
Start with these three decisions.
Tell us your seasonal pattern, crew locations, shifts, and current enrollment process.
Changing hours
Track the hours and hiring facts needed for eligibility decisions.
Different job sites
Plan education at the yard, on site, or virtually.
Income protection
Review how disability and supplemental coverage fit alongside medical benefits.
Plan for seasonality without assuming an exemption
The ACA employer-size test looks at the prior year’s monthly counts, not just the busiest month. A limited seasonal-worker exception may apply under specific conditions. Payroll and an ACA specialist should review the facts before treating the business as exempt.
Make support fit the workday
WIB offers shift-friendly group meetings, one-on-one conversations, and live virtual sessions at no extra fee for client teams, including multiple visits, new hires, and support after enrollment. Discuss language and access needs when planning; confirm any interpretation arrangement separately.
A practical example · illustrative
Day crews and overnight cleaners
Repeat the core explanation at two suitable times and provide a single enrollment checklist and contact path for everyone.
Coverage to compare
Availability, eligibility, and benefits depend on the proposed plan and its current terms.
- Medical, dental, and vision
- Check providers near employees’ homes and practical payroll deductions.
- Disability and life
- Review benefit limits, waiting periods, and exclusions for the actual work performed.
- Voluntary coverage
- Explain optional accident and hospital benefits as supplements, with separate premiums and benefit conditions.
From comparison to enrollment
We help connect the benefits decision with the people using and managing the plan.
- 01 / PLAN
Map the needs
Tell us your seasonal pattern, crew locations, shifts, and current enrollment process.
- 02 / COMPARE
Review the tradeoffs
Compare actual plan costs, access, contributions, and the questions payroll or specialist advisers need to resolve.
- 03 / SUPPORT
Help the team enroll
We provide group, individual, and live virtual education, including shifts, multiple visits, new hires, and support after enrollment at no extra fee for client teams.
Before you get started
Can we assume a worker with changing hours is ineligible?
No. Review expected status at hire and the applicable plan and ACA rules. Variable-hour measurement is a specific method, not a blanket exclusion.
What administration is included?
Employee Navigator is available and customized at no extra cost for group clients who want it. WIB trains company administrators to enter new hires and terminations; WIB handles carrier changes. We coordinate third-party COBRA administrators that send and track notices. Vendor fees may apply, with waivers for some groups based on size and benefits package.
Sources checked September 19, 2026. General information; your plan and circumstances matter.
IRS · ALEIRS · fulltimeOIC · groupLet’s start with your team.
Tell us your seasonal pattern, crew locations, shifts, and current enrollment process. No existing plan is required.