|
Company benefits checklist
By Lucy
Lazarony • Bankrate.com
What separates a rich employee benefits program from a cheap one?
How much will switching to a new benefits program cost you and your
family? Bankrate provides a benefits
primer which helps you analyze your company benefits. Below is
a checklist designed to help you compare benefit packages between
companies.
Health plan
What does it cost?
- How much is the premium?
- How much of the premium does the company pay?
- How much of the premium will I pay?
- How much will I pay per month or per paycheck?
- What's the annual deductible?
- What's the co-pay?
- How much will I pay for a doctor's visit?
- How much will I pay for hospital care?
- How much will I pay for prescription medicines?
- What's the maximum payout?
What is covered?
- Inpatient hospital services
- Outpatient surgery
- Skilled nursing care
- Medical tests and X-rays
- Mental health care
- Home health care visits
- Rehabilitation facility care
- Physical therapy
- Speech therapy
- Maternity care
- Chiropractic care
- Preventative care and checkups
- Well-baby care
- Dental care
- Vision care
- Any other important medical service
- Will I be covered when I travel?
What is not covered?
- What medical conditions are excluded from coverage?
- What medical conditions come with limited coverage?
- How much more will I need to pay if I go outside the health
plan's network of doctors, hospitals and other providers to get
services?
401(k) plan
- Best investment choices
- Employer's matching contribution
- Vesting rules for employer matching contribution
Life insurance
- How much coverage is available?
- How much of the coverage does the company pay?
- How much do I pay?
Disability
- How much coverage is available?
- How much of the coverage does the company pay?
- How much do I pay?
Dental plan
- Is there a separate plan for dental coverage?
- How much coverage is available?
- How much do I pay?
Vision plan
- Is there a separate plan for vision?
- How much coverage is available?
- How much do I pay?
Paid time off
- Vacation days
- Sick days
- Personal days
- Family leave
Work life benefits
- On-site child care
- Child care referral service
- Telecommuting
- Alternate work schedules
- Health club membership
- Health club discount
- Concierge services
- Tuition assistance
- Other
Group insurance options
- Homeowner's insurance
- Auto insurance
- Business travel accident
- Travel medical programs
-- Posted: May 20, 2004
|
|
|
