Hi All,
I recently accepted a job offer from an insurance agency. I'll be their first employee for their growing business, and so I have an opportunity to hand pick some of my benefits. The job I'm leaving has an extremely good benefits package, and the basics of what my new employer has offered me are (so far) matching or better than what my previous employee offered.
Both retirement and health benefits are up in the air, I can choose pretty much anything I want. Part of the competitive job offer on health benefits includes my employer paying the insurance premium in full monthly. I currently have an HSA I'd like to stick with.
What sort of health benefits should I ask for? Something similar to my current plan, or go for something better? It would be great to have funds to set aside for things not typically covered by health insurance, such as mental health care, nutrition guidance and chiropractic treatments. If my current employer funds my HSA, is it fair to ask my new employer to do the same, since they've given me the authority to be choosey?
Likewise, I've got free reign to choose my retirement benefits; if you could pick any retirement benefits, what would you ask for? I'm 24, so whatever retirement benefits I choose, they'll be for the long-term.
I feel somewhat obligated to set the bar high, as I anticipate my set up (or something similar) will roll over to any future employees that are hired as the company grows.
Suggestions?
Kayla