Full-Time vs Part-Time Benefits Value
Part-time hourly rates can look higher until you add **benefits value**: employer health premiums, retirement match, paid holidays, and career progression. Full-time packages often worth $5k–$15k+ annually in the US.
Step by step
1. Annualize hours
Compare effective $/hour after scheduled hours and overtime rules.
2. Price benefits
Employer health contribution + match + PTO days × daily rate.
3. Factor stability
Part-time hours can fluctuate—model low-hour weeks.
FT vs PT total comp
A higher PT wage can lose to FT benefits above ~30 hours eligibility thresholds.
- Full-time: Benefits bundle; predictable hours; often bonus eligible.
- Part-time: Flexibility; may skip health/401(k); pro-rate PTO.
Use our calculators
Common mistakes
- Comparing gross hourly only
- Ignoring waiting periods for benefits
FAQ
Is 30 hours full-time?
ACA uses 30 hours for large-employer coverage rules—employer policies vary.