Understanding Your Employee Benefits
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Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late. Way to often employees only discovers their benefits when an event happens to take place!
There are many avenues to educate yourself. You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses!
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Then it’s important to appreciate your own personal situation, and what risk management requirements you must better appreciate the gaps that may exist. You are then able to take some action to enhance your employer’s coverage by taking out complimentary, additional cover.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.
Most of us are fortunate enough to have employee benefits via the organisation we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late. Way to often employees only discover their benefits when an event happens to take place!
There are many avenues to educate yourself. You can proactively seek out your Employee Benefits manual or ask your HR department and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses!
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
It’s important to appreciate your own personal situation and your risk management requirements. This will allow you to identify the gaps that may exist. You will then be able to take some action to enhance your employer’s coverage by taking out complimentary, additional cover.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances. Likewise, life Insurance requirements are different from individual to individual. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.
Most of us are fortunate enough to have employee benefits via the organization we work for. However, how many of us really know the details? If you were to get sick, how much is your coverage and what would it really cover? Would you be covered if you were hospitalized?
As a first step, it’s important to understand what benefits you have available via your employer rather than wait for an unfortunate event or incident and it might be too late. Way too often employees only discover their benefits when an event happens to take place and they need the benefits badly!
There are many avenues to educate yourself. You can proactively seek out your Employee Benefits manual, ask your HR Department and/or attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses!
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind. Most medical plans have a membership card or number, ensure that your family members are aware of your medical plan provider and your member ID if possible.
It’s also important to appreciate your own personal situation. Knowing your employer benefits vis a vis your personal needs, you can identify risk management requirements you have that need to be addressed. In case gaps may exist, you can plan to take some action to enhance your employer’s coverage by taking out complimentary, additional cover on top of what you already have
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each one’s person circumstances. Typically, life insurance coverage is a multiple of Monthly Base Salary (MBS). Most employers would have offer this benefit as 12 or 24 x MBS. However, considering your personal needs this may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career. Today, many companies offer life insurance coverages that have more versatility compared to the more traditional or classic life insurance. Consider a variable life insurance plan that combines the traditional plan with an investment component. The amount you pay for premiums are invested in various funds and some have a payout you can enjoy as interest earned.
Knowledge is power. Once you understand what you have and what you have access to via your Employer, you can take into consideration your personal situation and have some action items to plan effectively.
Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late. Way to often employees only discovers their benefits when an event happens to take place!
There are many avenues to educate yourself. You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses!
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Then it’s important to appreciate your own personal situation, and what risk management requirements you must better appreciate the gaps that may exist. You are then able to take some action to enhance your employer’s coverage by taking out complimentary, additional cover.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.
我们大多数人都很幸运，能够通过我们工作的公司享受到员工福利，但是我们中有多少人真正了解这些福利的细节？如果您生病了，您的医疗费能报销多少？如果您不得不住院，住院费能报销吗？
第一步，首先要了解您的公司为您提供了哪些福利和保障，不要等不幸或事故发生之后再去了解，很可能为时已晚。往往要等到不幸发生，员工才知道自己拥有哪些保障！
要了解自己的员工福利，有许多方法。您可以主动翻阅您的员工福利手册，或者询问您的人力资源部门，或者参加公司在员工福利方面举办的沟通会议。您不需要也不应满不在乎；这是您自己的事！
一旦您知道自己享有哪些员工福利和保障，您就应该告诉您的家人，这样他们也能知道您有哪些保障，也能安心一点。
然后，您应该评估自己的个人情况和风险管理需求，并对比公司为您购买的保险与您的实际需求之间有哪些差距。接下来，您可以采取一些措施（比如购买免费的额外保险）来扩展您的员工保险覆盖范围。
在许多国家，医疗保健费用可能非常高，一旦发生不幸，与您需要支付的医药费相比，您通过员工保险获得的报销费用往往不够。同样，人寿保险金的需求也因人而异。一般来说，相当于您个人工资2-3倍的死亡给付金赔付对您的家人来说可能是不够的，尤其当您是家里的主要经济来源、或者您在职业生涯的早期就遇到了不幸。
知识就是力量。一旦您明白了您拥有什么权利，以及您可以通过公司享受什么福利，您就可以考虑您的个人情况，并采取一些措施来有效地规划您的保障。
免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
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Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
The content of this article does not constitute individual financial advice.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
The information in this report does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations.
While we have made every attempt to ensure that the information contained in this report has been obtained from reliable sources, Aon is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this report is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Aon be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages, even if advised of the possibility of such damages.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Selv om alle norske arbeidstakere har trygderettigheter og krav på ytelser fra det offentlige, er det klokt å sette seg godt inn i disse. Hvor mye kan du forvente å ha i inntekt om du blir langtidssyk? Det er viktig å søke informasjon om dine rettigheter ved sykdom og ulykke.
Dersom du er i jobb er det viktig å undersøke hva du er dekket for fra arbeidsgivers eventuelle personalforsikrigner.
Når du har satt deg inn i rettighetene dine ved sykdom og uførhet, bør du ta en god samtale med dine nærmeste slik at de vet hva som skjer og slipper for mange bekymringer.
. Behovet for livsforsikring varierer fra person til person.. Livsforsikring er en privat forsikring som kan dekke økonomiske tap ved sykdom, død, uførhet eller alderdom. Vurder nøye hvor store beløp de etterlatte vil trenger dersom du er hovedforsørger.
Kunnskap er makt. Når du har fått oversikt over dine rettigheter og krav på ytelser både fra det offentlige og en eventuell privat arbeidsgiver, har du bedre mulighet til å planlegge effektivt.
La plupart d’entre nous ont la chance de bénéficier d’avantages sociaux attribués par l’entreprise pour laquelle nous travaillons. Cependant, combien d’entre nous en connaissent réellement les détails ? Si vous deviez tomber malade, quelle indemnité percevriez-vous ? Seriez-vous couvert si vous deviez passer du temps à l’hôpital ?
Dans un premier temps, il est important de comprendre ce qui est mis à votre disposition par votre employeur plutôt que d’attendre un événement ou un incident malheureux, lorsqu’il est trop tard.
Vous pouvez consulter de manière proactive votre guide sur les avantages sociaux des employés ou interroger votre service des ressources humaines, ou encore assister à des séances de communication avec les employeurs sur ces questions. Ne vous contentez pas de vos acquis ; vous n’avez aucune excuse.
Une fois que vous aurez compris vos avantages, vous devriez faire participer vos proches à la conversation, afin qu’ils soient eux aussi au courant de ce qui est en place et puissent avoir l’esprit tranquille.
Dans de nombreux pays, les frais liés aux soins de santé peuvent être élevés et souvent, ce à quoi vous avez droit par l’intermédiaire de votre employeur peut être inférieur à ce dont vous pourriez avoir besoin compte tenu de votre situation personnelle en cas de problème. De même, les exigences en matière d’assurance vie sont différentes d’un individu à l’autre, compte tenu de la situation personnelle de chacun. En général, une couverture d’assurance vie correspondant à deux ou trois fois le salaire peut ne pas suffire pour vos proches, surtout si vous êtes le principal soutien de famille et si quelque chose devait arriver au début de votre carrière.
« Savoir, c’est pouvoir ». Une fois que vous avez compris ce que vous avez et ce à quoi vous avez droit par l’intermédiaire de votre employeur, vous pouvez tenir compte de votre situation personnelle et prendre des mesures pour une planification efficace.
De algemene overtuiging "het zal mij niet overkomen" resulteert er vaak in dat veel mensen nalaten om een geschikt plan op te stellen om precies datgene te beschermen dat het vermogen genereert - hen zelf!
Voor twintigers die net zijn begonnen met werken, heb je al dan niet veel verplichtingen zoals een studielening, daarom lijkt de behoefte aan verzekering misschien niet relevant. Het kan echter een goed moment zijn om een paar dingen te leren over verzekering en de relevantie ervan, aangezien dit de tijd is dat ouders polissen doorgeven die ze hebben gekocht om door jou over te laten nemen.
Voor jonge echtparen is er een verhoogde financiële verplichting, zoals hypotheekleningen, autoleningen en zelfs gezinsplanning. Ervoor zorgen dat de langstlevende echtgenoot zich geen zorgen hoeft te maken over de resterende hypotheek en dat het onderwijs van je kinderen jouw prioriteit wordt. Elk surplus dat je in dit stadium zou hebben, moet bijdragen aan je pensioenplanning, aangezien het altijd goed is om vroeg te beginnen.
Voor oudere koppels, als je kinderen volwassen zijn, is de behoefte aan langdurige zorg die een vast maandelijks voordeel biedt als je niet in staat bent om voor jezelf te zorgen vanwege ziekte of handicap, relevanter. Daarnaast is het ook goed om je medische polissen te herzien om er zeker van te zijn dat die up-to-date zijn, aangezien de uitgaven voor gezondheid met je leeftijd zullen toenemen.
Ieder van ons is anders, daarom is het nodig om je huidige levenssituatie te begrijpen, je behoeften te identificeren en ervoor te zorgen dat je niet onder- of oververzekerd bent.
De fleste af os er så heldige, at vi er sikret overenskomstsikrede rettigheder i den virksomhed, vi arbejder for, men hvor mange af os kender i virkeligheden til detaljerne? Hvor meget dækkes, hvis du skulle blive syg? Hvordan er du dækket, hvis du skal ligge på hospitalet i noget tid?
For det første er det vigtigt at forstå, hvad du har adgang til via din arbejdsgiver, i stedet for at vente på uheldige omstændigheder eller en ulykke, hvor det er for sent.
Du kan proaktivt finde din vejledning til overenskomstsikrede rettigheder frem eller spørge din HR-afdeling og deltage i medarbejdermøder om netop dette. Du behøver ikke og bør ikke være tilbagelænet – der er ingen undskyldninger.
Når først du forstår dine rettigheder, bør du involvere dine nære i samtalen, så de også er klar over, hvad der gælder, så I alle kan få fred i sindet.
I mange lande kan udgifter til sundhedssektoren være dyre, og ofte er det, du har krav på via din arbejdsgiver, ikke tilstrækkeligt i forhold til det, du har brug for ud fra dine personlige omstændigheder, hvis der skulle hænde noget. På samme måde er forsikringskrav forskellige fra person til person alt efter den enkeltes omstændigheder. Typisk er en livsdækning på 2-3 gange din løn ikke nok til dine nære, især hvis du er den hovedsagelige forsørger, og du skulle komme ud for noget tidligt i din karriere.
Viden er magt. Når du forstår, hvad du har og hvad du har adgang til via din arbejdsgiver, kan du overveje din personlige situation og skride til handling i forhold til at planlægge effektivt.
Οι περισσότεροι από εμάς έχουμε την τύχη να λαμβάνουμε παροχές εργαζομένων από την επιχείρηση στην οποία εργαζόμαστε, αλλά, πόσοι από εμάς γνωρίζουμε πραγματικά τις σχετικές λεπτομέρειες; Εάν αρρωστήσετε, ποιος θα είναι ο βαθμός κάλυψής σας; Έχετε κάλυψη εάν χρειαστεί να νοσηλευτείτε σε νοσοκομείο;
Αρχικά, είναι σημαντικό να κατανοήσετε σε ποιες καλύψεις έχετε πρόσβαση μέσω του εργοδότη σας αντί να περιμένετε να συμβεί ένα ατυχές περιστατικό ή συμβάν όταν θα είναι αργά.
Μπορείτε να μελετήσετε προληπτικά το εγχειρίδιο Παροχών για τους εργαζομένους ή να επικοινωνήσετε σχετικά με το τμήμα Ανθρώπινου Δυναμικού της εταιρείας σας ή με τον εργοδότη σας για τα συγκεκριμένα θέματα. Δεν πρέπει να εφησυχάζετε, καθώς δεν υπάρχει δικαιολογία.
Αφού κατανοήσετε τις παροχές που δικαιούστε, θα πρέπει να μιλήσετε με τα αγαπημένα σας πρόσωπα, έτσι ώστε να γνωρίζουν πώς έχει η κατάσταση και να νιώσουν ηρεμία.
Το κόστος της υγειονομικής περίθαλψης είναι πολύ υψηλό σε ορισμένες χώρες και, συχνά, οι καλύψεις στις οποίες έχετε πρόσβαση μέσω του εργοδότη σας μπορεί να μην ανταποκρίνονται στις ανάγκες σας, δεδομένης της προσωπικής σας κατάστασης εάν συμβεί κάτι. Αντίστοιχα, οι απαιτήσεις ασφάλειας ζωής διαφέρουν ανάλογα με το άτομο, δεδομένης της προσωπικής κατάστασης του καθένα. Τυπικά, η κάλυψη ζωής που αντιστοιχεί σε 2-3 μισθούς ενδέχεται να μην επαρκεί για τα αγαπημένα σας πρόσωπα, ειδικά εάν εσείς συντηρείτε την οικογένεια και σας συμβεί κάτι στην αρχή της σταδιοδρομίας σας.
Η γνώση είναι δύναμη. Αφού κατανοήστε ποιες καλύψεις έχετε στη διάθεσή σας και σε ποιες έχετε πρόσβαση μέσω του εργοδότη σας, μπορείτε να λάβετε υπ’ όψιν την προσωπική σας κατάσταση και να προβείτε στις κατάλληλες ενέργειες για αποτελεσματικό προγραμματισμό.
Aunque la mayoría de nosotros tenemos la enorme suerte de que las empresas para las que trabajamos nos ofrecen prestaciones de empleado, la realidad es que muchos no conocemos realmente sus detalles. Si cayese enfermo, ¿durante qué periodo y hasta qué cantidad le pagaría su empleador? ¿Tendría cobertura en caso de tener que permanecer hospitalizado?
Como primer paso, es importante que sepa de antemano qué le ofrece su empleador antes de esperar a enterarse cuando se produzca un suceso desafortunado o un incidente y sea demasiado tarde.
Puede buscarlo usted mismo en el manual de prestaciones de empleado, preguntar a su departamento de RR. HH. o asistir a una de las sesiones divulgativas que las empresas suelen ofrecer sobre estas cuestiones. No hay excusas, así que no lo deje para más tarde.
Una vez que conozca las prestaciones de las que dispone, deberá hablar con sus seres queridos para que sepan con qué coberturas cuenta y disfruten de la tranquilidad de poder recurrir a ellas en caso de necesidad.
Los costes de la atención sanitaria pueden llegar a ser muy elevados en muchos países y, con frecuencia, la cobertura que los empleadores ofrecen resulta escasa en comparación con la que podría necesitar a la luz de sus circunstancias personales si algo malo le sucediera. Del mismo modo, los requisitos de un seguro de vida varían mucho de unas personas a otras y dependen de las circunstancias personales de cada una. Normalmente, un seguro de vida que ascienda a entre dos y tres veces su sueldo podría no resultar suficiente para satisfacer las necesidades de sus seres queridos si falleciese en una fase temprana de su vida profesional, especialmente si es usted quien aporta el mayor salario al hogar.
El conocimiento es poder... Una vez que sepa qué le ofrece su empleador, podrá valorar adecuadamente su situación personal y adoptar las acciones necesarias para planificar eficazmente su futuro.
Legtöbbünk elég szerencsés ahhoz, hogy munkavállalói juttatásokat kapjunk azon a szervezeten keresztül, amelynek dolgozunk, azonban vajon mennyien ismerjük valóban a részleteket? Ha megbetegednél, mennyit fedezne a biztosítás? Fedezné a biztosítás, ha kórházban kellene időt töltened?
Első lépésként fontos megérteni, hogy mihez van hozzáférésed a munkáltatódon keresztül, nem pedig várni egy szerencsétlen eseményre vagy balesetre, amikor már túl késő.
Előrelátóan felkutathatod a Munkavállalói juttatások kézikönyvet, vagy megkérdezheted a HR-menedzsert, illetve részt vehetsz ezzel kapcsolatos munkáltatói kommunikációs üléseken. Nem kell és ne is legyél tétlen; nincsenek kifogások.
Ha már átlátod a juttatásaidat, vond be a szeretteidet a beszélgetésbe, hogy ők is tudjanak arról, hogy mi a helyzet, és megnyugodhassanak egy kicsit.
Az egészségügyi kiadások sok országban jelentős mértékűek lehetnek, és az, amihez a munkáltatódon keresztül hozzáférsz, elmaradhat attól, amire szükséged lehet a személyes körülményeid alapján, ha bármi történne. Ugyanígy az életbiztosítási igények is minden egyén esetén különbözhetnek az ember saját körülményeitől függően. Általában a fizetés 2-3-szorosának megfelelő életbiztosítási fedezet sem biztos, hogy elég a szeretteidnek, különösen, ha te vagy a fő kenyérkereső, és valami történik veled a karriered elején.
A tudás hatalom. Amint megérted, hogy mid van, és mihez férsz hozzá a munkáltatódon keresztül, figyelembe veheted a személyes helyzeted, és cselekedhetsz, hogy hatékonyan tudj tervezni.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
The content of this article does not constitute individual financial advice.
La plupart d’entre nous avons la chance de bénéficier d’avantages sociaux offerts par notre employeur. Combien d’entre nous connaissent les détails de ces avantages ? Si vous tombiez malade, savez-vous quels seraient vos droits ? Seriez-vous couvert(e) en cas d’hospitalisation ?
La première étape consiste à comprendre les avantages offerts par votre employeur sans attendre la survenue d’un événement malheureux ou d'un accident pour se pencher dessus.
Vous pouvez consulter votre manuel sur les avantages sociaux ou vous adresser à votre service des ressources humaines et participer à une réunion d’information de l’employeur à ce sujet. Vous n’avez aucune excuse pour faire preuve de négligence.
Une fois que vous comprenez vos avantages, vous devriez en parler avec vos proches afin qu’ils sachent aussi ce qui est en place et soient tranquillisés.
Les coûts des soins de santé peuvent être élevés dans de nombreux pays et, parfois, vos droits peuvent ne pas suffire à couvrir vos besoins personnels s'il vous arrive quelque chose. De même, les critères des assurances-vie sont différents d’une personne à une autre, en raison des circonstances personnelles. En général, une assurance-vie correspond à 2 ou 3 fois votre salaire, ce qui pourrait ne pas être suffisant pour vos proches, particulièrement si vous êtes le principal soutien de la famille et si quelque chose se produisait au début de votre carrière.
Savoir, c’est pouvoir. Une fois que vous comprenez ce que vous avez et ce à quoi vous avez droit par le biais de votre employeur, vous pouvez examiner votre situation personnelle pour prendre des mesures efficaces.
Viele von uns haben das Glück, über das Unternehmen, für das wir arbeiten, Arbeitnehmerleistungen beziehen zu können. Doch wie viele von uns kennen sich mit den Einzelheiten aus? Inwieweit sind Sie abgesichert, wenn Sie krank werden? Wären Sie abgesichert, wenn Sie eine Zeit lang ins Krankenhaus müssten?
Zunächst ist es wichtig zu verstehen, zu welchen Leistungen Sie über Ihren Arbeitgeber Zugang haben. Sie sollten darüber Bescheid wissen, bevor unglückliche Umstände oder ein Unfall eintreten und es zu spät ist.
Sie können selbst aktiv werden und in den Informationen zu Arbeitnehmerleistungen nachlesen oder sich bei der Personalabteilung erkundigen. Sie können auch an Informationsveranstaltungen zu diesem Thema teilnehmen. Keine Ausreden – schieben Sie das nicht auf die lange Bank.
Wenn Sie über die Ihnen zustehenden Leistungen Bescheid wissen, sollten Sie auch Ihre Angehörigen informieren, damit sie ebenfalls wissen, welche Möglichkeiten es gibt, und sich keine Sorgen machen müssen.
In vielen Ländern kann die medizinische Versorgung sehr teuer werden. Was Ihnen über Ihren Arbeitgeber zusteht, reicht nicht unbedingt aus. Sollte Ihnen etwas zustoßen, sind – je nach Ihren persönlichen Umständen – vielleicht nicht alle Kosten abgedeckt. Ebenso sind die Anforderungen an eine Lebensversicherung von Mensch zu Mensch unterschiedlich, je nach seinen ganz persönlichen Umständen. Eine Versicherungssumme in Höhe von 2-3 Jahresgehältern reicht für Ihre Familie möglicherweise nicht aus, besonders wenn Sie der Hauptverdiener sind und Ihnen schon zu Beginn Ihrer beruflichen Laufbahn etwas zustößt.
Wissen ist Macht. Wenn Sie wissen, was Sie haben und worauf Sie über Ihren Arbeitgeber Anspruch haben, können Sie unter Einbeziehung Ihrer persönlichen Situation aktiv werden und sinnvoll planen.
La maggior parte di noi è fortunata abbastanza da usufruire di indennità per i dipendenti concesse dall’azienda per cui si lavora, ma quanti ne conoscono davvero i dettagli? Se ti ammalassi, che copertura riceveresti? Potresti usufruire di una copertura se venissi ricoverato?
Per prima cosa, è importante capire a cosa puoi avere diritto rivolgendoti al tuo datore di lavoro invece di aspettare un evento nefasto o un infortunio, quando è troppo tardi.
Puoi cercare maggiori informazioni sul tuo manuale sulle indennità per i dipendenti, o chiedere all’ufficio risorse umane e partecipare alle sessioni informative in materia, offerte dal datore di lavoro. Non devi, e non dovresti essere compiacente; non ci sono scuse.
Una volta capite le indennità, dovresti coinvolgere i tuoi cari, in modo che anch’essi siano a conoscenza della questione e possano stare tranquilli.
In molti paesi, le spese sanitarie possono essere elevate e spesso ciò che viene concesso dal datore di lavoro potrebbe non essere sufficiente a coprire ciò di cui si avrebbe bisogno, considerate le proprie circostanze personali, se dovesse succedere qualcosa. Allo stesso modo, i requisiti per un’assicurazione sulla vita mutano da un soggetto all’altro, in base alle circostanze di ognuno. In genere, una copertura sulla vita pari al doppio o al triplo dello stipendio potrebbe non essere sufficiente per i tuoi cari, soprattutto se chi porta a casa lo stipendio principale sei tu, e se dovesse succederti qualcosa all’inizio della carriera.
Sapere è potere. Una volta compreso ciò che possiedi e a cosa hai diritto tramite il tuo datore di lavoro, puoi prendere in considerazione la tua situazione personale ed attivarti per mettere a punto una pianificazione efficace.
La plupart d’entre nous avons la chance de bénéficier d’avantages sociaux offerts par notre employeur. Combien d’entre nous connaissent les détails de ces avantages ? Si vous tombiez malade, savez-vous quels seraient vos droits ? Seriez-vous couvert(e) en cas d’hospitalisation ?
La première étape consiste à comprendre les avantages offerts par votre employeur sans attendre la survenue d’un événement malheureux ou d'un accident pour se pencher dessus.
Vous pouvez consulter votre manuel sur les avantages sociaux ou vous adresser à votre service des ressources humaines et participer à une réunion d’information de l’employeur à ce sujet. Vous n’avez aucune excuse pour faire preuve de négligence.
Une fois que vous comprenez vos avantages, vous devriez en parler avec vos proches afin qu’ils sachent aussi ce qui est en place et soient tranquillisés.
Les coûts des soins de santé peuvent être élevés dans de nombreux pays et, parfois, vos droits peuvent ne pas suffire à couvrir vos besoins personnels s'il vous arrive quelque chose. De même, les critères des assurances-vie sont différents d’une personne à une autre, en raison des circonstances personnelles. En général, une assurance-vie correspond à 2 ou 3 fois votre salaire, ce qui pourrait ne pas être suffisant pour vos proches, particulièrement si vous êtes le principal soutien de la famille et si quelque chose se produisait au début de votre carrière.
Savoir, c’est pouvoir. Une fois que vous comprenez ce que vous avez et ce à quoi vous avez droit par le biais de votre employeur, vous pouvez examiner votre situation personnelle pour prendre des mesures efficaces.
La maggior parte di noi è fortunata abbastanza da usufruire di indennità per i dipendenti concesse dall’azienda per cui si lavora, ma quanti ne conoscono davvero i dettagli? Se ti ammalassi, che copertura riceveresti? Potresti usufruire di una copertura se venissi ricoverato?
Per prima cosa, è importante capire a cosa puoi avere diritto rivolgendoti al tuo datore di lavoro invece di aspettare un evento nefasto o un infortunio, quando è troppo tardi.
Puoi cercare maggiori informazioni sul tuo manuale sulle indennità per i dipendenti, o chiedere all’ufficio risorse umane e partecipare alle sessioni informative in materia, offerte dal datore di lavoro. Non devi, e non dovresti essere compiacente; non ci sono scuse.
Una volta capite le indennità, dovresti coinvolgere i tuoi cari, in modo che anch’essi siano a conoscenza della questione e possano stare tranquilli.
In molti paesi, le spese sanitarie possono essere elevate e spesso ciò che viene concesso dal datore di lavoro potrebbe non essere sufficiente a coprire ciò di cui si avrebbe bisogno, considerate le proprie circostanze personali, se dovesse succedere qualcosa. Allo stesso modo, i requisiti per un’assicurazione sulla vita mutano da un soggetto all’altro, in base alle circostanze di ognuno. In genere, una copertura sulla vita pari al doppio o al triplo dello stipendio potrebbe non essere sufficiente per i tuoi cari, soprattutto se chi porta a casa lo stipendio principale sei tu, e se dovesse succederti qualcosa all’inizio della carriera.
Sapere è potere. Una volta compreso ciò che possiedi e a cosa hai diritto tramite il tuo datore di lavoro, puoi prendere in considerazione la tua situazione personale ed attivarti per mettere a punto una pianificazione efficace.
Viele von uns haben das Glück, über das Unternehmen, für das wir arbeiten, Arbeitnehmerleistungen beziehen zu können. Doch wie viele von uns kennen sich mit den Einzelheiten aus? Inwieweit sind Sie abgesichert, wenn Sie krank werden? Wären Sie abgesichert, wenn Sie eine Zeit lang ins Krankenhaus müssten?
Zunächst ist es wichtig zu verstehen, zu welchen Leistungen Sie über Ihren Arbeitgeber Zugang haben. Sie sollten darüber Bescheid wissen, bevor unglückliche Umstände oder ein Unfall eintreten und es zu spät ist.
Sie können selbst aktiv werden und in den Informationen zu Arbeitnehmerleistungen nachlesen oder sich bei der Personalabteilung erkundigen. Sie können auch an Informationsveranstaltungen zu diesem Thema teilnehmen. Keine Ausreden – schieben Sie das nicht auf die lange Bank.
Wenn Sie über die Ihnen zustehenden Leistungen Bescheid wissen, sollten Sie auch Ihre Angehörigen informieren, damit sie ebenfalls wissen, welche Möglichkeiten es gibt, und sich keine Sorgen machen müssen.
In vielen Ländern kann die medizinische Versorgung sehr teuer werden. Was Ihnen über Ihren Arbeitgeber zusteht, reicht nicht unbedingt aus. Sollte Ihnen etwas zustoßen, sind – je nach Ihren persönlichen Umständen – vielleicht nicht alle Kosten abgedeckt. Ebenso sind die Anforderungen an eine Lebensversicherung von Mensch zu Mensch unterschiedlich, je nach seinen ganz persönlichen Umständen. Eine Versicherungssumme in Höhe von 2-3 Jahresgehältern reicht für Ihre Familie möglicherweise nicht aus, besonders wenn Sie der Hauptverdiener sind und Ihnen schon zu Beginn Ihrer beruflichen Laufbahn etwas zustößt.
Wissen ist Macht. Wenn Sie wissen, was Sie haben und worauf Sie über Ihren Arbeitgeber Anspruch haben, können Sie unter Einbeziehung Ihrer persönlichen Situation aktiv werden und sinnvoll planen.
Çoğumuz, çalıştığımız kurumlar aracılığıyla çalışanlara sağlanan yan haklara sahip olacak kadar şanslıyız, ancak kaçımız detayları gerçekten biliyoruz? Eğer hastalanacak olsan, sağlık giderinin ne kadarı ödenecek? Hastanede tedavi olmanız gerekseydi, poliçeniz bu giderleri kapsayacak mıydı? Öncelikle, çok geç olmadan, talihsiz bir olay yaşamadan, işvereniniz aracılığıyla size sunulan paket kapsamında neye erişebildiğinizi anlamanız çok önemlidir.
Proaktif olarak “Çalışanlara Sağlanan Yan Hak” kılavuzunuzu arayabilir veya İK'nıza sorabilir ve bu konularda işveren iletişim sunumlarına katılabilirsiniz. Şikayet etmenize gerek yoktur ve olmamalıdır; bahane yok.
Bir kere yan hak paketinizi anladıktan sonra, aile bireylerinizi de bilgilendirmelisiniz, böylece onların da sahip olduğunuz yan hak paketi konusunda farkındalıklarını geliştirmiş olacaksınız.
. Sağlık hizmetleri maliyetleri birçok ülkede pahalı olabilir ve çoğu zaman işvereniniz aracılığıyla sahip olduğunuz paket, bir hastalıkla karşı karşıya kaldığınızda ihtiyaç duyabileceğinize kıyasla daha dar kapsamlı olabilir. Benzer şekilde, hayat sigortasına duyulan ihtiyaç, her bireyin şahsi koşulları göz önüne alındığında kişiden kişiye değişebilir. Mesela, 2-3 maaş kadarlık bir limite sahip hayat sigortası sevdikleriniz için yeterli olmayabilir, özellikle de ailedeki ana gelir kaynağı iseniz ve kariyerinizin başında size bir şey olursa.
Bilgi Güçtür. İşvereniniz aracılığıyla neye sahip olduğunuzu ve neye erişebildiğinizi anladıktan sonra kişisel durumunuzu da göz önünde bulundurarak, ilaveten neye ihtiyacınız olduğunu anlar, ihtiyaç hissetmeniz durumunda gerekli önlemleri alabilirsiniz….
我們大多數人都幸運地可以藉由我們的工作，享有公司提供的福利，但是有多少人真正了解當中的細節？如果生病了，可以獲得多少理賠？若不幸住院了，團保是否有涵蓋這部分的保障？
首先，重要的是要了解我們可以就由什麼管道來了解這些福利內容，而不是等到意外事件發生時才發現已經為時已晚了。
您可以主動查詢公司的《員工福利》手冊，或詢問人力資源部門，並參加福利相關的員工溝通會。
一旦了解自己享有的福利內容，應該讓親人也了解，如此一來他們可以充分掌握這些內容並且放心。
醫療保健費用在許多國家/地區可能很高，在意外事故發生時，可能會發生團保包含的項目不足以支付個人所需要的部分。同樣地，視個人情況的不同，壽險的需求也不同。通常2至3倍薪水的生活保障可能不足提供家人的所需，特別是當您是家庭的經濟支柱，又在職涯中遭逢變故。
知識就是力量。一旦了解自己所擁有的，及了解公司所提供的，就可以考慮個人情況，並採取行動來有效地進行計劃。
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
The content of this article does not constitute individual financial advice. Aon can’t provide personalised investment advice or make personalised recommendations – we therefore suggest that you speak to an authorised financial adviser if you want to understand any of these concepts in the context of your personal situation.
Most of us are fortunate enough to have employee benefits via the organization we work for however how many of us really know the details? If you were to fall sick, how much of would you be covered for? Would you be covered if you had to spend time in hospital?
As a first step, it’s important to understand what you have access to via your employer rather than wait for an unfortunate event or incident when it’s too late.
You can proactively seek out your Employee Benefits manual or ask your HR and attend employer communication sessions on these matters. You don’t need to be and shouldn’t be complacent; there are no excuses.
Once you understand your benefits you should be involving your loved ones in the conversation, so they too are aware of what’s in place and can have some peace of mind.
Health care costs can be expensive in many countries and often what you have access to via your employer can fall short compared to what you may need given your personal circumstances if something was to happen. Likewise, life Insurance requirements are different from individual to individual, given each’s person circumstances. Typically, life cover for 2-3 times salary may not be enough for your loved ones, particularly if you are the main breadwinner and something was to happen early in your career.
Knowledge is power. Once you understand what you have and what you have access to via your Employer you can take into consideration your personal situation and take some action to plan effectively.
Disclaimer: The information is brought to you by Aon Vietnam Limited with its Establishment and Operation License No. 26/GP-KDBH . Aon Vietnam Limited is a licensed insurance broker regulated by the Ministry of Finance in Vietnam. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information
Hầu hết chúng ta đều may mắn có được phúc lợi nhân viên thông qua tổ chức chúng ta làm việc tuy nhiên có bao nhiêu người trong chúng ta thực sự biết chi tiết? Nếu bạn bị ốm, bạn sẽ được bảo hiểm bao nhiêu? Bạn có được bảo hiểm nếu bạn phải ở lại bệnh viện?
Bước đầu tiên, rất quan trọng để biết bạn có những quyền lợi gì thay vì chờ đến lúc gặp sự cố không may hoặc khi đã quá muộn.
Bạn có thể chủ động tìm hiểu Phúc lợi dành cho nhân viên hoặc hỏi nhân sự và tham dự các đối thoại với chủ lao động về những vấn đề này. Không có gì phải xấu hổ về điều này.
Một khi bạn hiểu được phúc lợi của mình, bạn nên trao đổi với người thân, để họ cũng nhận thức được vấn đề này và có thể yên tâm.
Chi phí chăm sóc sức khỏe có thể đắt đỏ ở nhiều quốc gia và thường những gì bạn có thể sử dụng từ phần phúc lợi có thể ít hơn so với những gì bạn thật sự cần trong hoàn cảnh của mình nếu có vấn đề không may xảy ra. Tương tự như vậy, các yêu cầu Bảo hiểm nhân thọ khác nhau giữa các cá nhân, tùy theo hoàn cảnh từng người. Thông thường, bảo hiểm nhân thọ gấp 2-3 lần tiền lương có thể không đủ cho người thân của bạn, đặc biệt nếu bạn là trụ cột chính và vấn đề xảy ra sớm trong sự nghiệp của bạn.
Kiến thức là sức mạnh. Khi bạn hiểu những gì bạn có và những quyền lợi của mình, bạn có thể xem xét tình huống cá nhân của mình và thực hiện một việc để lên kế hoạch hiệu quả.
Tuyên bố miễn trừ trách nhiệm: Thông tin này được cung cấp bởi Công ty TNHH Aon Việt Nam với Giấy phép Thành lập và Hoạt động số 26/ GP-KDBH. Công ty TNHH Aon Việt Nam là công ty môi giới bảo hiểm được cấp giấy phép dưới sự quản lý của Bộ Tài chính tại Việt Nam. Các thông tin này không tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bất kỳ đối tượng cụ thể nào nhận được tài liệu này. Theo đó, bạn không nên dựa vào hoặc coi tài liệu này như một phương thức thay thế cho sự tư vấn riêng biệt liên quan đến các tình huống cụ thể. Vui lòng tìm kiếm sự tư vấn từ chuyên gia cố vấn tài chính về sự phù hợp của bất kỳ sản phẩm đầu tư nào có tính đến các mục tiêu đầu tư cụ thể, tình hình tài chính hoặc nhu cầu riêng biệt của bạn trước khi bạn cam kết mua sản phẩm đầu tư. Bạn cũng nên có được sự tư vấn chuyên biệt khác khi cần thiết. Thông tin này được cung cấp dựa trên sự trung thực và được cho là chính xác vào thời điểm biên soạn. Chúng tôi không có nghĩa vụ phải cập nhật các tài liệu hoặc sửa chữa bất kỳ thông tin không chính xác nào là những thông tin được làm rõ sau này. Bạn luôn cần phải tham khảo các nguồn thông tin chính hoặc các thông tin chính xác hơn hoặc cập nhật hơn.
พวกเราส่วนใหญ่โชคดีพอที่จะได้รับสวัสดิการพนักงานผ่านองค์กรที่เราทำงานอยู่ อย่างไรก็ตาม มีพวกเรากี่คนที่รู้รายละเอียดจริงๆ หากคุณเจ็บป่วย สวัสดิการจะครอบคลุมค่าใช้จ่ายให้เท่าใด คุณจะได้รับความคุ้มครองไหมถ้าคุณต้องรักษาตัวในโรงพยาบาล
ขั้นตอนแรก สิ่งสำคัญคือต้องเข้าใจสิทธิ์ที่คุณได้รับผ่านทางนายจ้างของคุณ แทนที่จะรอเหตุการณ์เคราะห์ร้ายหรืออุบัติเหตุเมื่อสายเกินไป
คุณสามารถค้นหาคู่มือสวัสดิการพนักงานด้วยตนเองหรือสอบถามฝ่ายทรัพยากรบุคคลและเข้าร่วมการประชุมการสื่อสารกับนายจ้างเกี่ยวกับเรื่องเหล่านี้ คุณไม่ควรและต้องไม่นิ่งนอนใจ ไม่มีข้ออ้าง
เมื่อคุณเข้าใจถึงสวัสดิการของคุณแล้ว คุณควรให้คนที่คุณรักมีส่วนร่วมในบทสนทนา พวกเขาจะได้รับทราบว่ามีอะไรบ้างและอุ่นใจได้
ค่าใช้จ่ายด้านการดูแลสุขภาพอาจมีราคาแพงในหลายๆ ประเทศ และบ่อยครั้งสิทธิ์ที่คุณได้รับผ่านทางนายจ้างของคุณอาจไม่เพียงพอเมื่อเทียบกับสิ่งที่คุณอาจต้องการในสถานการณ์ส่วนบุคคลของคุณหากมีอะไรเกิดขึ้น เช่นเดียวกัน ข้อกำหนดของการประกันชีวิตแตกต่างกันไปในแต่ละบุคคล ตามสถานการณ์ของแต่ละบุคคล โดยทั่วไป ความคุ้มครองสำหรับชีวิตในจำนวนเงิน 2-3 เท่าของเงินเดือนอาจไม่เพียงพอสำหรับคนที่คุณรัก โดยเฉพาะอย่างยิ่งถ้าคุณเป็นหัวหน้าครอบครัวและมีบางอย่างเกิดขึ้นในช่วงเริ่มต้นอาชีพของคุณ
ความรู้คือพลัง เมื่อคุณเข้าใจสิ่งที่คุณมีและสิ่งที่คุณจะเข้าถึงได้ผ่านนายจ้างของคุณ คุณสามารถพิจารณาสถานการณ์ส่วนบุคคลของคุณและดำเนินการวางแผนอย่างมีประสิทธิภาพ
De flesta av oss kan få ta del av anställningsförmåner via organisationen vi arbetar för, men hur många av oss känner egentligen till alla detaljer? Vad har du rätt till om du blir sjuk? Omfattas du av förmånerna om du måste läggas in på sjukhus?
Som ett första steg är det viktigt att förstå vad du har tillgång till via din arbetsgivare, snarare än att vänta tills det sker en olycka eller incident, då det är för sent.
Var proaktiv och läs arbetsgivarens information om förmåner, fråga HR-avdelningen och var med på arbetsgivarens informationsträffar om dessa frågor. Det finns inga ursäkter för att bli bekväm.
När du väl har förstått dina förmåner bör du involvera nära och kära så att de också är medvetna om vad som gäller och kan känna sig trygga.
Sjukvårdskostnader kan vara dyra i många länder och ofta kan det som du har rätt till via din arbetsgivare vara otillräckligt jämfört med vad du kan behöva mot bakgrund av dina personliga omständigheter om något skulle hända. Livförsäkringsbehov är också olika från person till person mot bakgrund av olika personliga omständigheter. Ett livförsäkringsskydd motsvarande 2–3 gånger lönen är kanske inte nog för dina nära och kära, särskilt om du är huvudsaklig familjeförsörjare och något skulle hända tidigt under karriären.
Kunskap är makt. När du förstår vad du har och vad du har rätt till via din arbetsgivare kan du ta hänsyn till din personliga situation och vidta åtgärder för att planera effektivt.
Sebagian besar dari kita cukup beruntung memiliki manfaat karyawan melalui organisasi tempat kita bekerja, tetapi berapa banyak dari kita yang benar-benar mengetahui detailnya? Jika Anda jatuh sakit, berapa banyak dari Anda akan ditanggung? Apakah Anda akan ditanggung jika Anda harus dirawat di rumah sakit?
Sebagai langkah pertama, penting untuk memahami apa yang dapat Anda akses melalui kantor Anda daripada menunggu peristiwa atau kejadian yang tidak menguntungkan ketika sudah terlambat.
Anda dapat secara proaktif mencari panduan Tunjangan Karyawan Anda atau menanyakannya pada HRD Anda dan menghadiri sesi komunikasi perusahaan mengenai hal-hal ini. Anda tidak perlu dan tidak boleh berpuas diri; tidak ada alasan.
Setelah Anda memahami tunjangan Anda, Anda harus melibatkan orang yang Anda cintai dalam percakapan, sehingga mereka juga menyadari apa yang disiapkan dan dapat memiliki ketenangan pikiran.
Biaya perawatan kesehatan mungkin mahal di berbagai negara dan seringkali apa yang Anda akses melalui kantor Anda bisa saja tidak ada nilainya dibandingkan dengan apa yang mungkin Anda butuhkan mengingat keadaan pribadi Anda jika sesuatu terjadi. Demikian juga, persyaratan Asuransi jiwa berbeda dari individu ke individu, mengingat keadaan setiap orang. Biasanya, pertanggungan seumur hidup untuk 2-3 kali gaji mungkin tidak cukup untuk orang yang Anda cintai, terutama jika Anda adalah pencari nafkah utama dan sesuatu akan terjadi di awal karir Anda.
Pengetahuan adalah kekuatan. Setelah Anda memahami apa yang Anda miliki dan apa yang bisa Anda akses melalui kantor Anda, Anda dapat mempertimbangkan situasi pribadi Anda dan mengambil tindakan untuk merencanakan secara efektif.
Penulis bukan konsultan keuangan, konsultan pajak, atau konsultan hukum. Artikel dan isinya hanya untuk tujuan informasi, pembaca tidak disarankan untuk menafsirkan informasi atau material lain apa pun sebagai saran hukum, perpajakan, investasi, finansial, atau saran lain. Semua informasi, data, strategi, laporan, artikel, dan semua fitur lain dari artikel ini disediakan untuk tujuan informasi dan edukasi semata dan tidak seharusnya dianggap atau ditafsirkan sebagai saran investasi personal untuk pembaca. Mungkin ada kesalahan pada artikel ini, dan pembaca sebaiknya tidak mengambil keputusan finansial atau investasi berdasarkan apa yang mereka baca dalam artikel dan tulisan ini saja. Merupakan tanggung jawab pembaca untuk melakukan uji tuntas mandiri dan pembaca harus mengambil keputusan sendiri. Pahamilah dan berhati-hatilah karena keputusan keuangan dan investasi mengandung risiko. Penulis tidak bertanggung jawab atas kerugian langsung maupun yang timbul akibat penggunaan tulisan, produk, layanan, situs, atau konten lain yang ditulis oleh penulis, termasuk konten artikel ini. Pembaca bertanggung jawab atas penelitian dan keputusan investasinya sendiri. Pembaca sebaiknya meminta saran penasihat keuangan yang berkualifikasi dan sepenuhnya memahami semua risiko sebelum berinvestasi atau mengambil keputusan finansial apa pun. Penulis tidak menjamin bahwa pembaca akan atau memperoleh hasil sebagaimana yang dikutip dalam artikel ini. Semua hasil rekomendasi penulis tidak didasarkan pada investasi aktual yang dilakukan sendiri oleh penulis dan didasarkan pada hipotesis, statistik, serta survei yang ada, yang memiliki batasan dan tidak mencerminkan semua komponen investasi sesungguhnya. Hasil nyata yang diterima pembaca mungkin berbeda-beda disebabkan berbagai faktor. Semua konten dan referensi sumber pihak ketiga disediakan semata-mata untuk kemudahan. Informasi ini mungkin tidak akurat, gunakan dengan penuh tanggung jawab. Dengan membaca artikel ini atau isinya, Anda setuju bahwa baik penulis maupun karyawannya, pemegang saham, direktur, kontraktor, afiliasi, agen, penyedia konten pihak ketiga, atau pemberi lisensi tidak akan bertanggung jawab atas segala bentuk klaim, tanggung jawab, biaya, kerusakan, atau kerugian, langsung, tidak langsung, maupun insidental akibat penggunaan bagian konten ini oleh pembaca. Termasuk, namun tidak terbatas pada, kerugian atau cedera yang semuanya atau sebagian disebabkan oleh kemungkinan di luar kendali kami.
A maioria de nós tem a sorte de receber benefícios através das empresas nas quais trabalhamos. No entanto, quantos de nós compreendemos realmente os detalhes? Se adoecer, qual é o valor que está coberto? A que cobertura teria acesso se tiver de passar algum tempo no hospital?
Como primeiro passo, é importante compreender a que tem acesso através da entidade empregadora em vez de esperar que surja um acontecimento infeliz ou incidente e seja tarde demais.
Pode, proativamente, consultar o manual de benefícios da entidade empregadora, consultar o departamento de recursos humanos ou participar numa sessão de esclarecimento para funcionários sobre estas questões. Não deve nem tem de ser complacente. Não há desculpas.
Assim que compreender os seus benefícios, deve envolver os familiares mais próximos na conversa, para que saibam com o que podem contar e tenham alguma paz de espírito.
Os custos relacionados com cuidados de saúde podem ser dispendiosos em muitos países e geralmente aquilo a que tem acesso através da entidade empregadora, caso aconteça alguma coisa, é insuficiente quando comparado com aquilo de que pode precisar tendo em conta as suas circunstâncias pessoais. De igual forma, os requisitos em termos de seguro de vida são diferentes de pessoa para pessoa tendo em conta as circunstâncias pessoais. Geralmente, uma cobertura de vida equivalente a 2-3 vezes o salário poderá não ser suficiente para os familiares, principalmente se for a pessoa que mais contribui para o agregado familiar e lhe acontecer algo no início da carreira.
Conhecimento é poder. Assim que compreender o que tem e aquilo a que tem acesso através da entidade empregadora poderá considerar a sua situação pessoal e tomar medidas de planeamento de forma eficaz.
O conteúdo deste artigo não constitui um aconselhamento financeiro individual.
