Thursday, October 9, 2014

Before You Accept: Consider This!

I have big news-I recently accepted a new position as an HR Specialist Senior and at the end of the month, I am starting my new job! This is a really great move for me professionally and I am so excited about the opportunity to broaden my HR skills.  Before I accept any job though, there is more to consider than just my monthly salary. One of the most important things to consider in my opinion is the benefits package. Luckily for me, when I accepted the position I was just moving from one state agency to another one, meaning my benefit policy doesn’t change. Although it isn’t always the first thing millenials think about when they get that job offer, benefits are extremely important to me, and should be to you too!

Up until two years ago, I was the picture of health. I was an active runner and hardly ever caught the office colds and flu bugs that run rampage in the winter, I rarely went to the doctor, and I’ve never had a major surgery or hospital stay.

But then in 2012, I was diagnosed with Rheumatoid Arthritis and all of that changed instantly. I was put on medicaitoin that without insurance costed thousands of dollars a month. I was going to doctor’s offices constantly and was having countless tests ran. When I received those bills, I was so relieved to see that my insurance covered the majority of the costs.

Its important that when you are considering switching jobs, you consider things other than just your monthly salary. Compare your vacation time off, how the company handles sick leave, retirement options, and of course, benefits. Not only should you compare benefit premium costs, but dig deeper into what is covered, what your deductible is, and if you have the option to use a flexible spending account which is great for those regular medical expenses or monthly prespcriptions. I have turned down two jobs in my career because of a lack of benefit options, and as someone with a chronic lifelong disease, benefits really matter to me.

They should matter to you too though-not to be grim, but you want to be prepared in the case of an emergency. Whether you’re diagnosed with a serious disease, have to have a major surgery or are in a car accident, having good coverage can save you in more ways than one! You are Only One Emergency Away From Financial Disaster, but the good news is even if your job doesn’t offer the best insurance options, Aflac offers additional insurance options to supplement your primary insurance. Aflac offers accident, dental, life, vision, cancer, hospital intensive care and more voluntary insurance policies. These voluntary policies pay policy holders directly for unexpected costs associated with a covered serious illness, injury or loss. In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses a worker may have.

Take a few minutes over the next week and review your benefits and consider adding an additional supplemental policy if you think it might be beneficial to you. Theres never such a thing of being too prepared, especially when it comes to our finances and health! Benefits matter - and I am not just saying that because I work in HR!

I was selected for this opportunity as a member of Clever Girls Collective and the content and opinions expressed here are all my own.

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