New benefits and incentive structures can impact your long-term plans
Many workplaces today offer a wide range of benefits to round out their employees’ comprehensive compensation package. 除了各种各样的退休计划类型, 你还可以获得股票期权等额外津贴, 保险政策(健康保险, 人寿保险, 短期和长期残疾, AD&D, and more), Flexible Spending Accounts and deferred compensation accounts, to name just a few.
It can be overwhelming to understand which benefits to enroll in, 你需要从自己的薪水中支付多少, 以及这一切如何符合你的长期财务计划. Here are some tips to help you make the most of this unique opportunity.
的 most common employer-sponsored 退休 options include the 401(k), 403(b), and 457 Plans. Some employers offer a dollar-for-dollar match up to a specific percent of your annual salary. While you do need to adhere to IRS contribution limits, you don’t want to forgo free money. 最大化你的雇主机会, contribute at least the maximum amount your employer will match. 如果你赚了50美元,每年000, 3%的匹配意味着你投资1美元,500美元，雇主再加1美元,你的计划是500. Be sure to ask about other benefits, including partial contributions once the match has been met.
Publicly traded as well as private companies can offer employee stock options. This means you’re given the option to buy a set number of shares of company stock at a set price. Employees are then allowed to sell back their stock at a later time, 使股票期权成为薪酬方案中很有价值的一部分.
A majority of employers offer some form of health benefits to their employees. This includes everything from fully-funded healthcare to subsidized insurance, 在什么情况下，员工要负责自付, 免赔额, 还有一些溢价成本. 的 most popular options include preferred provider organizations (PPOs), where a network of healthcare providers are available to those enrolled in the plan, and health maintenance organizations (HMOs) that require enrollees to stay within a specific network of care providers.
Some employers offer additional insurance to help employees protect their financial future. 这些可能包括短期和长期残疾, which covers an employee’s salary for a short or longer period of time due to a debilitating injury or illness. 其他选择包括意外死亡和肢解(AD)&D)保险，以及人寿保险.
的re is no cookie-cutter benefits package that all employers use as a baseline. 这些计划在不同的工作场所可能有很大的差异. 当你开始一份新工作时, 走进来，准备好理解你的选择, and how to prioritize your needs to make the most of your benefits. 的 bottom line is to research your new employment benefits before making any long-lasting decisions about your 退休 and financial plan.
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Matching contributions from your employer may be subject to a vesting schedule. 更多信息请咨询您的财务顾问.
Shares acquired via an exercise of employee stock options are subject to resale restrictions. Restricted stock is nontransferable and must be traded in compliance with special Securities and Exchange Commission (SEC) regulations.