Properly using Employee Benefits Programs
I was not sure where exactly to post this thread, so moderators, feel free to move it if there is a better place.
As I've now been in the workforce for a decade, I've come to realize that for the first 5-6 years of my work life, I ignored most benefit programs - did not realize they existed or even know how to use them to my advantage.
With that in mind, I would like to hear some ideas of neat workplace benefits that people get and are able to use to their advantage. Companies do spend money on these, and I figure as employees we should be using them, right?
Stuff to think about:
(1) Gym memberships - do you get them and get use out of them when gyms charge on average $40 biweekly, most programs won't cover it all....
(2) Wellness credits - gaining popularity I think, what types of things do you get under this benefit and how often?
(3) Health Benefits - my default is to use this for massage,
(4) Vision Benefits - really crappy in most work places, around $200 every 2 years, from when I've asked others. Always wish it were more.
(5) Orthopaedic inserts - not something most young adults think about, but when you actually need them in your 50s you might not get it...and they are quite pricey
(6) EAP = Employee Assistance Program. I just know mine exists, not at all sure how to get any benefit out of it. This is like a black box...larger companies pay for it but don't know how it gets used??
For the EAP, I'm trying to see what I can get out of it without outlaying too much $$, but so far, I've just got a bunch of videos on fitness and finance advice.
I've not covered these obvious ones, as I think most people would sign up for these by default:
(1) Retirement programs DB or DC matching
(2) Company life insurance , disability etc.; home & auto group rates etc.
(3) Stock purchase programs
(4) Prescription Drugs and Dental