These days, when you finish negotiating the salary for your new job, you're only half done. After all, a substantial part of your compensation is actually your benefits, and contrary to popular opinion, there's frequently room for negotiation there, too.

Remember, when it comes to your health and your retirement, good benefits can make a major difference in your life and level of comfort. So take the time to study the Bankrate Guide to Benefits, check out your own package and make sure you're getting all that you should.