Health Plans and Benefits: Overview
Federal and state laws require most employers to provide employee health plans and benefits -- which often comprises a significant portion of an employee's total compensation package. As such, many new and existing employees have important employee benefits questions to ask during periods of enrollment. Common types of employer-provided benefits include basic healthcare benefits (such as medical, vision, and dental), retirement and pensions plans (such as 401k's), life & disability insurance, domestic partnership benefits, and family and medical leave, but may also include other fringe benefits, such as transportation benefits, child or dependent care assistance, athletic facilities discounts, educational assistance, and other employee discounts.
The type of benefit plan you choose will depend on a number of factors, such as whether you are single or married, whether you have any pre-existing medical conditions, whether your have small children, and whether you require frequent sick days or time off to name a few.
Before deciding which benefit plan to enroll (or re-enroll) in, it's important to get details about your benefits by reading through the summary of benefit plans provided by your employer. Most plans offer resources to help you choose which benefits are right for you, including information on when to make your elections, the costs for benefits you choose, and how to enroll. Keep in mind that there is a short window of time (usually 30 days or less) to enroll before receiving a company's default coverage, or no coverage at all so it's important to act fairly quickly in choosing a plan.
Employee Benefits: Questions to Ask
Below is a list of employee benefits questions to ask:
For more information on what employee benefits questions to ask, be sure to check with your employer for a list of "frequently asked questions" or speak with your hiring manager before accepting a job. Oftentimes the answers to the benefits questions you need may be located within the employee benefits documentation itself.
Have Concerns About Your Benefits? Talk to an Employment Lawyer
If something just doesn't seem right, or you suspect wrongdoing on the part of your employer, you may want to investigate further. An employment law attorney can help you interpret a company's employee benefits plan and give you peace of mind. Start the process today by finding an experienced employment law attorney near you.