Brazil

Offering health insurance in this country is not mandatory, but providing these additional health benefits can greatly enhance the healthcare experience for employees by enabling access to a wider range of providers and specialists, as well as significantly reducing wait times.

Remote offers comprehensive health benefits to employees in Brazil through our Local Standard, Local Premium, and Local Prestige plans. When onboarding a new hire in Brazil, Remote provides several plan options, including the Local Standard, Local Premium, and Local Prestige plans.

The Local Standard plan covers essential health services such as emergency care, inpatient and outpatient hospitalization, childbirth, doctor appointments, elective procedures, exams, tests, treatments, therapies, unlimited psychotherapy and psychiatry sessions, and specific transplants. The Local Premium plan includes all the benefits of the Standard plan with a higher reimbursement limit, access to unique medical facilities, and enhanced travel assistance. The Local Prestige plan provides the most extensive coverage, including additional services like home physiotherapy and medical appointments, no degree limit for refractive surgery, the highest reimbursement limit, and comprehensive travel assistance.

If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!

In Brazil, employers are required to provide monthly meal vouchers to employees. Remote ensures compliance by paying the meal voucher amount directly into the employee’s Flash cards by the 30th of each month.

When onboarding a new hire, Remote offers the Standard, Premium, and Prestige options of meal vouchers, which offer different amounts. It is important to note that w hat is offered to employees in Brazil will apply to all existing and future employees hired in the country.

Offering mental health benefits is not mandatory in this country, but providing the benefit can significantly enhance the emotional well-being and overall productivity of employees.

Remote offers a comprehensive employee mental wellbeing platform in partnership with one of the top-rated employee mental wellbeing providers. This platform is available on desktop and mobile apps and includes 1-to-1 therapy with a curated pool of top-quality therapists in over 35 languages. The advanced matching service finds each employee the right therapist within 48 hours, boasting a 98% success rate. Employees receive a personal wellbeing profile with tailored recommendations and information to track progress. The platform also offers a curated self-guided content library with audio mindfulness and meditation sessions, guided yoga videos, talks, podcasts on workplace wellbeing, and micro-learning content series for managers. Additionally, there are 24/7 mental health helplines for immediate support when an employee is struggling.

Mental health program benefits may be offered to the employees from among 5 different plans. Offering mental health benefits is optional, but it can greatly enhance employee well-being and productivity.

It is essential to be aware that in certain countries, mental health benefits may be categorized as ‘Benefits in Kind’ (BIK). This categorization means that the monthly premiums paid for the benefit might be counted as part of the employee’s taxable income according to the local tax laws.

When mental health benefits are offered, they must be provided equally to all employees in the respective country.

In Brazil, providing life insurance to employees is a mandatory benefit as stipulated by the Collective Bargaining Agreement (CBA). Offering this benefit not only complies with legal requirements but also provides essential financial protection for employees and their families.

Current Life Insurance Offering

Remote currently offers a life insurance package that includes a death benefit of BRL 50,000, coverage for total or partial permanent disability due to an accident at BRL 50,000, and family funeral assistance up to BRL 5,000. These amounts are estimates and may be adjusted based on the number of employees covered throughout the year.

New Coverage Options Effective December 1, 2024:

To better meet the diverse needs of our employees and align with common market practices in Brazil, Remote will introduce new life insurance tiers effective December 1, 2024. These new options will provide coverage based on multiples of the employee's salary, offering greater flexibility and enhanced protection. The new tiers are designed to offer comprehensive coverage with varying levels of financial support. See the details of the new benefits below

New Benefit Available November 1, 2024:

Remote’s Global Business Travel Insurance program is crafted to address the unique needs of your team, whether they are embarking on short business trips or traveling extensively throughout the year. With five comprehensive plan options—Basic, Standard, Premium, Premium Plus, and Standard Plus—this program ensures that your team members have the right level of coverage to protect their health, safety, and well-being while traveling for business. Available in over 90 countries, the program provides extensive global coverage at competitive rates, offering peace of mind no matter where their work takes them.

This optional benefit is designed to be flexible, allowing you to offer tailored coverage that meets the diverse needs of your workforce. By providing business travel insurance, you are taking proactive steps to safeguard your team from unforeseen events such as medical emergencies, trip disruptions, or loss of business equipment while they are on the road.

It is essential to be aware that in certain countries, Business Travel Insurance may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.