These days, employers have to either offer benefits or exceptional wages if they are to be considered a competitive employer. Most places opt to offer benefits, which most employees seem to be pretty happy with. Unfortunately, too many employees don’t take advantage of workplace benefits to the extent they could.
Everyone wants to retire at some point, preferably sooner rather than later. Have you given much thought to how you’ll fund your retirement though? Some employers offer retirement benefits. There may be more to your employer’s offer than just setting up an account and making it easy to make contributions though. Some will match your contributions, at least up to a certain point, which means you’re essentially getting free money.
Disability benefits are benefits no one hopes to need to take advantage of, but should the need arise then they are incredibly important to take advantage of. Unless your company is in Texas, they’re required to provide workers’ compensation benefits. Offering long-term or short-term disability insurance is another option that some companies may offer. Companies out of California, Rhode Island, Hawaii, New Jersey, and New York must offer short-term disability, but otherwise it’s an optional benefit that is worth looking into, depending on the level of risk there is that you might need to take advantage of.
Employee Assistance Programs
Life is hard. Anyone who tells you otherwise is lying, selling something, or is just living life through the thickest rose-colored glasses known to man (or has insane amounts of privilege that let them just float on through). Some employers recognize this and offer employee assistance programs. These programs are meant to help employees get through challenging points of their life. It’s a win-win for everyone, really. When employees are able to properly and effectively handle life’s challenges, they are able to bring their best selves to work. They tend to be more productive, which benefits the employer. They also tend to be happier, which benefits them and anyone they live with.
It’s becoming more common for the benefits an employer offers to have a real place in the weighing of options when it comes to selecting a job. Given all the thought that is put towards them, it only makes sense to take advantage of the benefits and programs that are offered. Take some time to make sure you understand what your employer offers in regards to benefits so you can make the most of the opportunities they provide.
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