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How to make the most of employee benefits

Life insurance
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Once again, deadlines are important. Smith says that life insurance companies often allow new employees to add their dependents and to buy supplemental life insurance for themselves without underwriting, but only for a brief period. Once that's expired, you have to undergo an investigation of your medical history before you can buy.

"I'm seeing a lot of people who are used to being part-time or freelance who now want full-time jobs," says Smith. "It's because they need the insurance and other benefits. So it's important to be informed. And if you don't understand something, ask."


 

 

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