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As far as I know, it has never been an issue with unemployment. In fact, I don't think they ever ask if you are being covered under any health insurance plan when filing a claim. I know of a number of construction and other landscape companies that do it the same way and have never had a problem. In fact, the construction company lays off over 75 people a year in the winter.
As far as the issue with them leaving, it is a gamble that I have chosen to take. After 6 years of doing it this way, I have not had a issue. I budget the expense at the beginning of the year and have it covered so I really don't think about it. I look at it as a cost of doing business and keeping good employees. If I get burned by 1 or 2 guys, I still have 10-15 others that need the insurance and are valuable to our team.
If you are going to only cover them 6 months out of the year, what family men or women are going to want to work for that?
That is interesting about the compensation value it represents to unemployment, I will have to check into that a little further tomorrow.
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Matt
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