Benefits & Earned Salary Access

Manage employee benefit plans, HMO enrollment, and provide staff with early access to earned wages before payday.

Overview

The Benefits & Earned Salary Access module allows organizations to manage employee benefit plans (HMO, life insurance, pension top-ups) and provide staff with early access to earned wages before payday.

Benefit Plans

Creating a Benefit Plan

1. Navigate to HR & Payroll → Benefits
2. Click + Create Plan
3. Enter: Plan Name, Benefit Type (HMO, Life Insurance, Pension Top-Up, Gym, etc.), Provider, Monthly Employer Contribution, Monthly Employee Deduction, Description
4. Click Save

Enrolling Staff

1. Open a benefit plan
2. Click Enroll Staff
3. Select one or more employees
4. Set enrollment date
5. Click Confirm

Enrolled employees automatically have the employee deduction applied to their monthly payroll. Employer contributions are tracked for reporting.

Benefit Types

Type	Typical Use
HMO	Health insurance coverage with provider
Life Insurance	Group life cover
Pension Top-Up	Voluntary contribution above statutory 8%
Gym/Wellness	Staff wellness allowance
Education	Professional development fund
Custom	Any organization-specific benefit

Earned Salary Access (ESA)

ESA allows employees to withdraw a portion of their already-earned salary before the official payday. The system calculates earned wages based on actual days worked this pay period.

How It Works

1. System calculates: Daily Rate = Monthly Gross ÷ Working Days in Month
2. Earned balance = Daily Rate × Days Worked So Far
3. Maximum available = Earned Balance × ESA Rate (default 50%)
4. Staff requests an amount up to the maximum via the Self-Service Portal
5. HR reviews and approves/rejects the request
6. Approved amount is deducted from the next payroll automatically

Example

Staff member earns ₦500,000/month. By the 15th of the month (11 working days of 22 total), they've earned ₦250,000. At 50% ESA rate, they can request up to ₦125,000.

Configuration

In Organization Settings:

• ESA Enabled — Toggle on/off for the entire organization
• ESA Max Percentage — Maximum % of earned salary available (default 50%)
• Payday of Month — When the regular salary is paid (used for calculations)

Request Statuses

Status	Meaning
Pending	Awaiting HR review
Approved	Approved, pending payment
Paid	Amount disbursed to staff
Rejected	Request denied (with reason)
Cancelled	Staff cancelled their own request