5 Part-Time Jobs with Health Insurance & Benefits
Part-time jobs don’t always equate to no benefits. There are plenty of part-time jobs out there that offer surprisingly good health insurance and benefit plans. You just have to know where to look.
Why is it to your benefit to know which part-time jobs have benefits?
Shit happens. Jobs get downsized, you may choose to retire early but don’t want to foot the bill for health care, or you may decide to go back to school.
And sometimes, as my wife has, it makes sense to choose part time vs. full time.
Industries that Offer Good Part-Time Benefits
To make some broad generalizations, the following industries tend to offer pretty good part-time benefit programs:
- health care
- blue collar (usually unionized)
- state/federal/municipal governments
- retail (non food-service)
I’m going to highlight a few national employers to consider. Note that not all health insurance or retirement plans are created equal. Just because you may be eligible for ‘medical insurance’, does not mean you will have a free ride. All of these employers will have slightly different plans that will require varying premium coverage by you. It pays to research extensively beforehand.
That being said, some of the benefits offered by these employers are quite generous and fairly surprising.
Starbucks benefits usually get mentioned in any part-time benefit discussion. And for good reason. Benefits include:
- Medical, dental, and vision plan for you and your dependents.
- A 401K match of 100% on the first 3% or 6% (varies by year).
- Life Insurance.
- Vacation, Holiday, and sick time.
- A pound of coffee per week!
- Discounted stock.
In order to be eligible, you must maintain at least 240 hours per calendar quarter (or about 20 hours per week). Kudos to Starbucks for offering such a great benefits package for part-timers!
Part-time “Crew Members” are eligible for medical, dental and vision coverage after meeting the eligibility requirements. Most Crew Members qualify after a couple of months, according to Trader Joe’s career page.
However, one should be aware that ‘part-time’ can be up to 40 hours per week. I still haven’t seen a sad Trader Joe employee.
“assistant store managers — can make in the low six figures, and full-time crew members can start in the $40,000 to $60,000 range. But on top of the pay, Trader Joe’s annually contributes 15.4% of employees’ gross income to tax-deferred retirement accounts.”
Want to spend a lot of time hiking and biking and less working? With REI, you can. Less than 20 hours will get you a 60% subsidy towards medical insurance for you and your family, which is virtually unheard of. Over 20 hours will earn you a more comprehensive plan.
REI benefits also include:
- 50% off gear (a big one for me).
- Vacation, PTO, and 8 paid holidays.
- A retirement contribution of 5% of earnings and up to an additional 10% depending upon company profitability. Employees are not required to contribute their own pay in order to receive the REI contribution.
Hmm… note to self. Live near an REI in retirement.
The shipping carriers don’t readily supply full details of their benefits on their website or the qualifications to receive them, but their reputation is well earned.
All three offer medical, dental, vision, and 401K.
UPS, in particular, also offers vacation, stock purchase incentives, and a defined benefit pension.
The great part? They offer this to all employees, not just full-timers.
Note with FedEx that their ground shippers are considered independent contractors and don’t receive company benefits.
Lowe’s benefits are the same for part-timers as they are full full-timers and you are eligible immediately. Those benefits include:
- health insurance, vision, and dental
- 6 paid holidays
- discounted stock
- 401K match up to 6%
You can get some great benefits all while beefing up on useful Bob Vila superpowers. Win-win.
Just wear some good shoes, you’ll be standing on concrete all day long.
Part-Time Jobs with Benefits Discussion:
- What other part-time jobs have great health insurance and other benefits? Share the details!
- Have you stayed on part-time with one of these employers because the benefits were so great?