It’s hard to envision a time when you won’t be able to work when you are young, so the benefits listed below may not seem critical to you. You may not think you need them, but they are still important.

Short-term Disability Insurance- This benefit will pay your full salary if you are unable to work. The amount of this benefit typically depends on your length of time with your employer.

Long-term Disability- This benefit will pay a percentage of your salary if you are unable to work for an extended period of time. Typically there is a maximum period of time for this coverage.

Life Insurance- Some employers will provide you with a life insurance policy. Other employers will help you qualify for an insurance risk pool that offers you good rates based on the risk category you are in.

Credit Unions– Most employers have a credit union which you can use to put aside money from your pay check. This is a convenient way to create a disciplined savings account.

Workers Compensation- All employers will have workers compensation should you be injured on the job and not able to work.

Relocation Assistance– If your employer asks you to relocate, you will receive assistance for the move including:

• All moving expenses
• Assistance in finding a new place to live
• Support in selling your home

Most of the benefits listed here are at little or no cost to you..