Five Benefits You Can Get From Your Employer In Addition To Salary

Nifty option Tips
Be it the first job or the subsequent jump, most individuals are focused on the salary on offer. However, there are some non-salary benefits that one enjoys when he is employed. It makes a lot of sense to take into account these benefits also while choosing your next employer. “List what is on offer and arrive at money value to compare a job offer with another,” says Rohit Shah, founder of Mumbai-based Getting You Rich, a personal finance advisory platform.

Amit Trivedi, founder of Karmayog Knowledge Academy, too, looks positively at all employer-provided benefits but advises individuals to check the strings attached with the benefits and the limitations of these benefits.

Insurance: Most professionally-managed companies offer insurance cover to their employees. The insurance covers both death and hospitalization. The life insurance cover is a fixed amount and capped at three times annual cost to company (CTC) of the individual. If one is working at a CTC is of Rs 5 lakh per year, he will enjoy a life cover of Rs 15 lakh. The health cover on the other hand is in the range of Rs 1 lakh to Rs 3 lakh in most cases. Some companies offer higher cover in case of employees in metro cities. Many companies also offer personal accident insurance cover which pays a fixed sum in case of accidental death and dismemberment.

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