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Benefits – – But Exactly How Are They Benefiting Me?

By February 20, 2020 March 23rd, 2020 Personal Insurance

You Say “Benefits” But Exactly How Are They Benefiting Me?!? 

 

EMPLOYEE BENEFITS:

Something that was created so employers could have something tangible to show how much they value their employees. Beyond that, employee benefits has become a tool to attract and retain top talent for their companies.

THE IRONY:

Employee Benefits, a company contributed thing that costs employers a ton of money every year, yet majority of employees do not believe they are truly getting any actual benefits from having them in the first place (primarily health benefits).

Wait, what?!? Getting NO benefits from your benefits?!? How is that even possible?!?!

THE ANSWER:

E.D.U.C.A.T.I.O.N…Y’all, your benefits can only benefit you if you know WHAT they are and HOW to use them! Let me say that a little but louder for those who are skimming this article: YOUR BENEFITS ONLY BENEFIT YOU IF YOU KNOW WHAT THEY ARE AND HOW TO USE THEM! (insert mind blowing emoji…you’re welcome). At this point, you may be thinking, “It’s fine, I’ll just learn about them later when I need it.” Ok, well, if that is the case, let me ask you this: “How in the world will you even know WHEN you can or should use them if you don’t know anything about them?” (dang, insurance lady got ya again).

GREAT, I KNOW NOTHING, NOW WHAT?:

START ASKING SOME DANG QUESTIONS!

  • Start with your Human Resource Department where you work. Keep in mind, they are human resource professionals, not insurance professionals – although, I will say, there are many HR professionals who know a TON about health insurance also.
  • Ask your Human Resource Department what insurance agency (sometimes called broker) helps to put your benefits together.
  • Call and/or email that insurance agency and ask them to educate you on your benefits program.
    • Yall, contrary to popular belief:
      • Your benefit agent SHOULD be able to help you understand your benefits (how, what, and where to use them).
      • They SHOULD be able to help you when it is time to use them (however frequent or seldom that may be)
      • They SHOULD be able to help you find ways to use your plan wisely (because it is designed to help you).

Benefits are only benefits if they are BENEFITING YOU! Ask some dang questions, and if you can’t get what you need, I happen to know some people who can…because IT JUST AIN’T THAT DANG COMPLICATED!

Erika Ensign

Sr. Risk Architect, Benefits