Construction Employee Benefits
Construction Benefits That Protect Workers and Reduce Costs
Construction workers face job site injuries, physical demands, and seasonal gaps in coverage. Our Section 125 supplemental plans keep your crews healthy while saving $600-900 per employee annually.
Construction Healthcare Challenges Are Unique
Traditional benefits don't work for mobile crews and seasonal workers
High Injury Rates
Construction has the highest injury rates of any industry. Workers need fast access to care for sprains, strains, cuts, and chronic pain from physical labor.
Remote Job Sites
Crews work at job sites miles from the nearest doctor's office. Taking time off for a medical appointment means lost production and wages.
Seasonal Workforce
Construction is seasonal in many regions. Workers lose benefits during slow months, and you lose trained crews to competitors each spring.
Physical Job Demands
Heavy lifting, repetitive motions, and exposure to elements cause chronic conditions. Workers need pain management, anti-inflammatories, and preventive care.
The Construction Solution
Section 125 Benefits Built for Job Site Workers
Optiv Health's supplemental benefits solve construction-specific challenges. Mobile-friendly telehealth from any job site, free injury medications, and tax savings that improve your bottom line.
Telehealth From Any Job Site
Workers can see a doctor from their phone at any job site. No driving to a clinic, no missed work. Perfect for remote locations and tight project timelines.
Free Injury & Pain Medications
1,000+ generic medications at $0 copay, including pain relievers, anti-inflammatories, muscle relaxants, and antibiotics for wound infections.
FICA Tax Savings
Pre-tax premium deductions save you and your workers 7.65% on FICA taxes. For a 120-person crew, that's $80,000+ back in your pocket annually.
Retain Skilled Tradespeople
Good benefits keep experienced crews coming back season after season. Stop losing trained workers to competitors every spring.
Real Results: General Contractor Success Story
Southeast General Contractor
The Challenge:
- Losing experienced crews every off-season to competitors offering year-round benefits
- Workers delaying treatment for injuries, leading to longer recovery times
- Remote job sites made doctor visits impractical during work hours
- Rising insurance costs cutting into already-tight project margins
The Solution:
Implemented Optiv Health's Section 125 supplemental plan with mobile telehealth and free prescriptions. Benefits available year-round to retain seasonal workers.
The Results:
7.65% savings across the full workforce
Experienced crews returned season after season
Telehealth eliminated barriers to early care
High adoption across all trades
"Our guys used to tough out injuries because they couldn't leave the job site to see a doctor. Now they pull out their phone and talk to a physician on break. We've seen fewer lost workdays and our best guys come back every season."— Owner, Southeast General Contractor
Simple Implementation for Construction
Plan Design & Crew Setup
We configure benefits that work for your mix of full-time, seasonal, and subcontracted crews. Coverage designed around construction work schedules.
Job Site Enrollment
Mobile enrollment lets workers sign up from the job site. No paperwork, no office visits. Safety meeting add-on sessions available.
Payroll Integration
Pre-tax deductions set up with your payroll provider. Works with union and non-union payroll. FICA savings start immediately.
Keep Your Best Crews Coming Back
Get a custom analysis for your construction company. See how better benefits can reduce turnover, prevent delayed treatment, and save on payroll taxes.
Get Construction QuoteCustom plans for contractors. Seasonal and year-round options available.