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If you started before January 1, 2014 your life insurance (25k), extended benefits and dental is fully paid. January 1, 2014 and after they will pay half. You have to work an average of 30 hours a week for these benefits. They start at your 6 month anniversary. The only employee discount available is through the client (if their service is available where you live). You have to meet qualifications and jump through hoops to get that discount.