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Employee Benefits 101

Employee Benefits 101

Peter Vogt/FastWeb

Health Insurance

When you’re young, it’s easy to think you’re invincible and practically immune to disease or injury. But a single trip to the emergency room or being diagnosed with a relatively common condition can quickly turn into an overwhelming bill.

Medical insurance helps cushion the blow. If you’re lucky, your employer will pay your entire insurance premium each month. It’s more likely you’ll pay a small percentage, and your employer will cover the rest. Whatever the arrangement, it’s almost certainly in your best interest to sign up.

Don’t forget to check into additional forms of health insurance as they apply to you:

-Dental Insurance: This helps you keep your teeth healthy by covering preventive maintenance and repair.
-Disability Insurance: This will help you pay the bills if you’re somehow temporarily or permanently disabled.
-Life Insurance: This covers the cost of your funeral if you die and, more importantly, provides for key loved ones you leave behind.

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