2 Small Contractors-6 in Each Group what Could Go Wrong?

Each of them has asked me to look into the possibility of group insurance.

Then, they both tell me, only for certain employees, not for others. OK. Pay some a salary and others hourly. NO, we can't do that, sometimes to get a job done, we have to have as many hours as needed.

So then, their only option, as I see it, is to pay less for each employee, or, if they are concerned with longevity, give the longest possible waiting period.

I recall there is a type of provisional status that can be given for 90 days, then the clock would start for the typical 1st of month following 60 days aft
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