The benefits package is one of the most glorious parts of getting a new job. Many employers offer at least their full-time employees a suite of benefits that can help enhance the quality of their lives. If you're considering signing up with a new employer, you may want to try to get the following benefits:
The golden egg of employee benefits is the health coverage. Everybody's required to have some type of health coverage, so employer-provided coverage is highly desirable. These benefits will cover a portion of the costs for doctor's visits, diagnostics, therapies, and medications. Employers usually deduct premiums from their employees' paychecks. Sometimes the cost is so affordable that the employees don't even miss the money coming out of their checks.
Life insurance is something else that you will want to acquire. It offers your family and your loved ones some financial protection if something happens to you. The money that comes from this policy can pay for your burial costs, and you can give your designated beneficiary cash that they need to handle your affairs and their affairs after you're gone.
Critical Illness Insurance
Critical illness insurance is something that you might not have thought about, but it's worth the weekly or bi-weekly premium deduction. It covers illnesses such as cancer, heart attack, organ failure, paralysis, coma and a slew of other conditions. Such a policy will pay out a lump sum distribution if you are diagnosed with the critical illness, and you survive for the appropriate number of days. You can use the lump sum to pay your medical bills and anything else that you need to pay while you're recovering.
Accidental Death & Dismemberment
Finally, accidental death or dismemberment is something that you will want to have your employer provide for you. As its name suggests, it covers accidental death and dismemberment. It will provide you or your surviving family members with funds that they can use for living expenses or that you can use for recovery if something unexpected happens to you. The premium for it is usually very low, but it's worth the investment.
Now, there are many more wonderful benefits that you could try to seek. Those are the leading benefits that you should look for your new employer to provide. If you can land those benefits, then you can start your new job with confidence in you and your family's security. That's the way it should be.