Get Personal with Your Workplace Benefits
(Family Features) Choosing employee benefits during annual enrollment is often one of the most important financial decisions you make each year.
If your company is like most, it offers benefits to protect you and your family physically, emotionally and financially. In fact, 9 out of 10 employers in a Dynata survey on behalf of Colonial Life and Unum said they have no plans to eliminate or reduce employer-paid insurance benefits. Some employers even plan to boost comprehensive coverage, increasing benefit options or adding telehealth coverage.
Before you enroll, understand your needs and the different coverages available, especially supplemental benefits you can usually pay for through payroll deduction.
Supplemental Benefits Add Coverage and Financial Protection
The major types of supplemental benefits include:
Why You Might Need Supplemental Benefits
Supplemental benefits can help bridge the financial gap. You can use your benefits for uncovered medical costs such as deductibles and copayments or nonmedical expenses such as travel for treatment or child care during recovery. You also don’t have to be sick or injured to take advantage of some supplemental coverage. Many plans include a wellness benefit that can pay a set amount for preventive screenings or diagnostic tests.
Visit unum.com/enrollment to learn more about common insurance benefits.
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Scared of accumulating too much student debt? Afraid that years in college may not really prepare you for the job you desire? Here are 3 career alternatives that you can embark upon right after high school graduation to start earning and doing, rather than waiting years to create your future career.
With student loan debt being around nearly $40,000 per person, it’s understandable why so many people are opting out of college. However, that doesn’t mean that they can live without some form of work. Fortunately for them, there are plenty of careers that pay well, offer a nice income, and don’t require a college degree. Here’s a look at three of the most promising ones.
Real Estate Agent
In general, those who are good at sales stand to make quite a bit of money. Since most sales jobs pay based on commission, the amount of income you can make is potentially higher than many other jobs. You’re paid based on your performance. Being a real estate agent is one such sales career. A real estate agent makes pretty decent money. You make money based on commission. Commission is a percentage of each home sold, typically 6-7%. Nationwide, real estate agents make between $62,000 and $90,000 a year. Most real estate professionals bypass college and go to real estate school instead, where they learn about real estate law, contracts, and other important information pertaining to selling houses or commercial property.
Firefighters bring a widerange of skills to the job, including, of course, firefighting skills as well as people and animal rescue techniques and medical training. In order to do their jobs effectively and to maintain a degree of safety, firefighters must also have a high level of physical fitness. Each city has its own requirements for becoming a firefighter. Usually, would-be firefighters can receive job-specific training by the fire service. However, there are often community classes that will also prepare future firefighters for the job, at least to a certain degree. This job doesn’t usually require a degree, however. Income is dependent on the state where you fight fires. The highest-paid firefighters make more than $75,000 a year.
With the existence of online training companies like Udemy and LinkedIn Learning, it’s entirely possible to learn how to do web design or web development for a fraction of the cost of a bachelor’s degree. While many hiring bosses still look for candidates who have a BA or a BS, many will now consider hiring people based on their portfolios. Designers need some basic skills, like the ability to draw, the ability to use design programs, and the ability to work well with clients.Many designers without a degree will post their work to their social media accounts so that it can be seen by people in their industry. They’ll also attend trade shows and other industry events so that they can meet people in the industry who might help them to get a job down the road. Graphic designers make up to $71,000 a year. Getting a well-paying job these days doesn’t always require a degree, and with the average debt of most college students being in the mid-double digits, it’s easy to understand why more and more people are opting out of a university degree. The key to making a nice living is to find a job that pays well without a degree. These jobs usually require some sort of on-the-job training or a certification course. However, many people working today teach themselves the skills they need to do the job they want, allowing them to save money on a degree and dive right into their chosen field.
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