Ray A. Smith
speaker
910 appearances
20 recordings
1 series
first heard Jun 2018
last heard Nov 2024
Ray A. Smith’s voice in public audio — every appearance, attributed to the second.
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Appearances
We talked to a number of experts, and they told us that especially younger people often forget to or don't think about asking about health plans and benefit costs.
They're so focused on the dollar amount and making more money.
And so that's one thing that people neglect and to their detriment.
They should really ask what seemingly are like basic questions like what does the plan cover, what it doesn't cover, how much is it going to cost me, not just biweekly but overall, even annually.
And if there's anything to say about what kinds of options do I have in terms of choosing whatever health care plan is going to benefit me the most.
And they could really make an effort to try to request an interview or a discussion with me.
a human resources official to go over details of the plans and how it's going to affect them.
Even if they want to drill down to the level of their own personal status, whether they're single or married or have children, they can even ask to sort of have breakdowns in that manner.
They could miss out, especially on sort of additional perks besides health benefits.
They could miss out on things like knowing they can have Fridays off or additional PTO or tuition reimbursement if they're doing some kind of continuing education or even tuition assistance for childhood education.
If they have a child that's in private school and has special needs, for example.
And so there are just these things that I talked with one woman who told me she learned that a colleague of hers had actually asked for a stipend for his home office for days that he was working from home.
And she never knew you could even ask for things like that.
So it doesn't hurt to ask that.
not only during the interview stage, but also ask people who work at the company, if you have access to them, like what sorts of other benefits are available that I can ask for?
Yeah, she told me that she basically had a wake-up call when she realized, A, how quickly out-of-pocket costs could add up, especially with unexpected medical expenses.
So that was one thing that she learned.
It made her more diligent about asking about the full scope of benefits.
But in another situation, she told me that she—
You know, when she transitioned over into HR, she got to actually witness candidates asking for things like stipends to set up a home office or things like a tuition reimbursement.
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