[Verse 1]
When employees need coverage, we design the maze
HMO networks, PPO choice, high deductible pays
HSA savings accounts paired with health plans lean
ACA mandate kicks in at fifty full-time scenes
COBRA bridge extends when workers leave the door
Eighteen months of coverage, maybe twenty-four
[Chorus]
Benefits build the safety net below
Health and wealth and time off help us grow
From premiums to matching, leave to wellness checks
HR professionals navigate these complex specs
Remember the acronyms, they unlock the code
FMLA, ERISA, down the compliance road
[Verse 2]
Four-oh-one-k deferrals, match them dollar for dollar
Vesting schedules reward the long-term scholar
ADP testing keeps the highly compensated fair
Safe harbor design means less compliance care
Fiduciary duties under ERISA's eye
Plan documents and summaries we can't deny
[Chorus]
Benefits build the safety net below
Health and wealth and time off help us grow
From premiums to matching, leave to wellness checks
HR professionals navigate these complex specs
Remember the acronyms, they unlock the code
FMLA, ERISA, down the compliance road
[Bridge]
Twelve weeks unpaid when family crisis calls
Track the rolling calendar, intermittent falls
Dental, vision, life insurance, disability too
Voluntary add-ons give employees what they choose
Wellness programs motivate but ADA sets the bounds
Reasonable alternatives keep legal troubles down
[Verse 3]
Self-funded plans assume the risk and claims
Fully insured transfers cost but limits gains
HIPAA portability protects the data flow
Mental health parity makes coverage grow
Short-term disability, long-term protection
Return-to-work processes need careful inspection
[Chorus]
Benefits build the safety net below
Health and wealth and time off help us grow
From premiums to matching, leave to wellness checks
HR professionals navigate these complex specs
Remember the acronyms, they unlock the code
FMLA, ERISA, down the compliance road
[Outro]
From enrollment season to the daily grind
Benefits administration peace of mind