Employee benefits is one of the many reasons why people choose the jobs they do. Your employer will usually offer you benefits through insurance. These benefits range in coverage and costs, but all of them should all be offered by your employer.
Getting benefits from your employer is part of your total compensation. While it can, in some cases, mean a reduced overall salary, it also represents some freedom for your financial needs. Being provided coverage through insurance saves you money on trips to the dentist or optometrist.
Here are some of the benefits that your employer should provide you:
Dental is one of the most common health coverages offered by employers. The reason why it is covered by company benefits or insurance is that we often neglect our dental health after our adolescent or teen years. Unfortunately, once we lose the braces we start to lose our teeth routine. Dental coverage can help cover teeth aligners to help with your smile. Dental can be expensive, so make sure your employer is providing you some form of coverage.
2. Vision Care
Visits to the optometrist are getting more and more common. Over 60% of the population wears some kind of vision correction aid, usually eyeglasses and contacts. Visits to the optometrist are also very expensive. Eyeglasses and prescriptions can cost hundreds of dollars, so getting coverage can help you from breaking the bank just for your vision needs. Thankfully there are alternatives for cheap eyeglass frames, so the majority of your coverage would be used on the lenses. Eye care is an important need for much of the population.
3. Mental Health
Mental health coverage is part of many health benefits coverage, but it was not always like that. As of late, mental health is becoming an important part of the health benefits that company insurance plans will provide. The (expensive) question of where to find a psychiatrist near me can be covered by your employers now. The need for professional mental health can be expensive, so having your company cover some of, or all of, the costs can be a huge bonus.
4. Paid/Unpaid Leave
Paid leave can come in many forms. Sick leave, vacation leave, family, maternity, and personal are among the options for paid and unpaid leave. Employers are supposed to allot a designated amount of time and pay for people who need time off from work. Employer benefits cover basic leave but they do not always cover some of the important times when we need time off, like funeral leave.
Employers should offer you basic insurance coverage, but there are some that your employer or company may not offer. These can include dental care, vision care and mental health benefits, which are sometimes covered under general health insurance. It is important to do your research on whether your employer includes that within their insurance policy. They should also offer a selection of paid and unpaid leave, which is not always provided, but may be useful.