Outside of starting salaries, corporate cultures, and other work perks; employee benefits are something that all professionals must take into careful consideration when conducting a job search. Because there are so many different types of benefit plans, such as medical, life, retirement, and voluntary products out there, it can be difficult to put the total compensation offered by an employer into perspective.
除了起薪、企业文化和其他工作津贴之外，员工福利是所有职业人士在进行求职时都要认真考虑的事项。因为福利计划有许多不同的形式，里面包括医疗保险，生活补贴，退休计划，自愿购买产品等等，所以很难准确算出雇主提供的全部薪酬。
This is why it’s important to carefully evaluate the competitive employee benefits package and understand how they can best help you reach your personal health and financial needs.
这就是为什么要仔细评估有竞争性的员工福利待遇，并且弄清楚如何选择才会对你的个人健康和财务需求更有益。
As you traverse a job search, here are the most common elements that employee benefit plans include:
当你找到工作时，员工福利计划里最常见的有以下几项：
General Employee Benefit Coverage Limits
基本员工福利待遇
When considering the benefits offered by a new employer, think about the monthly or pay period costs that you will be responsible for and what the employer agrees to cover. Even if the premiums are deducted from your paycheck pre-tax, this can impact your annual salary and take home pay. Be sure that you understand how much of a cut this will be.
在考虑新老板提供的好处时，你要考虑你每月或每期要付的费用以及雇主同意的费用。即使保险费是从你的工资税前扣除，这仍然会影响你的年薪和实际所得的薪水。所以，请你确保自己清楚这些要扣多少钱。
You’ll also want to note the annual out of pocket deductible, which could be as high as $10K per person for a high deductible health care plan, until you know how much your insurance will actually pay medical costs. You will want to know when coverage dates start, when they end upon resignation, and if there are any penalties of waiting until the annual open enrollment period instead of upon hire.
你还要注意每年的自付额，弄清楚你的保险费实际支付的医疗费用是多少，因为医保方案里每人最高可能扣除高达1万美元。您要弄明白保险什么时候开始生效，辞职后什么时候结束，直到年度开放申请加入期间为止（不是工作后），是否会有任何延迟的罚金。
If you have medical coverage currently, you may want to see if the job offer comes with a better plan or if you are better off waiting to utilize your annual out of pocket deductible this year. This can be especially important if you anticipate an expensive medical procedure coming up or the birth of a child.
如果你目前有医疗保险，你可能会希望这份工作机还会有更好的计划，否则你今年最好等着利用你每年的自付额。如果你预期会有昂贵的医疗程序或孩子出生，这一点对你来说就十分的重要。
Understand Medical and Voluntary Plan Rules
了解医疗和自愿计划规则
Each medical and voluntary plan will have its own special set of coverage and usage rules. There are also many different plan types, such as Health Maintenance Organizations and Preferred Provider Options. You may be able to use the same doctors and health care centers you have now if they are in network. But if they aren’t, you may be asked to choose a new primary care provider and switch to a new health care network.
每个医疗和自愿计划都有自己的特别设定范围和使用规则。有许多不同的计划类型，如健康维护组织和提供医疗保健的组织。如果是在网络里，你遇到的可能会是同一个医生，或是同一个保健中心。但如果他们不是，你可能会被要求选择一个新的基础医疗机构，并更换进一个新的医疗保健网络。
Keep in mind that some plans may be limited in the types of services offered, such as routine care vs. mental health care. Some plans offer free preventative care to cover things like mammograms, flu shots, and more. Not all plans include access to discounted prescription benefits. Before you accept these benefits, consult with the human resource director to get more information on plan limitations, and rules.
记住，有些计划可能会仅限于提供的服务类型，例如日常护理与精神保健。有些计划提供免费的预防性护理，像乳房X线照片，流感疫苗等等。不是所有的计划都能有获得优惠处方的福利。在接受这些福利前，请你咨询人力资源总监以获取有关计划限制和规则的更多信息。
Get Information on Company Matched Retirement Plans
获取公司有关退休计划的信息
When deciding on taking a job or not, understanding if the company offers any kind of financial planning benefits like a retirement savings plan, stock investments, disability insurance, and other forms of financial protection. Some companies match employee donations dollar-for-dollar (free money!), while others put a portion of the company earnings into a special account for each employee.
不管你决定要不要接受这个工作，请你都要了解下公司是否提供各种财务规划的好处，比如退休储蓄计划，股票投资，残疾保险以及其他形式的财务保障等等。有些公司会给予员工同等金额的捐赠（免费资金！），而其他有些公司会将公司的一部分利润纳入每位员工的特别账户里。
Consider the percentage requirements for retirement plans and if this is voluntary or a mandatory program. Some companies require that all employees participate in retirement savings plans, deducting as much as 5 percent of the gross salary each month to fund this. Also, in your job search, be mindful of how much the company matches contributions and what the cut-off is.
如果这是自愿或强制性计划，请考虑下退休计划的百分比要求。一些公司要求所有员工参与退休储蓄计划，然后每月扣除薪资总额的5％来为这笔款项提供资金。此外，在你求职时，请注意公司给的相应的报酬是多少以及临界值是多少。
Learn About the Paid Time Off Benefits
了解带薪休假的好处
Most companies want to maintain a healthy and happy workforce, so outside of regular medical benefits, they will offer additional perks such as generous paid time off policies. This is something you should look at to see if you have to wait to use this benefit or if the paid days off are immediately available to you. Consider also if you will have any special needs for time off this year, such as a pre-scheduled vacation or taking a maternity leave, before accepting a job offer.
大多数公司都想保持健康快乐的员工队伍，所以除了正常的医疗福利外，他们还会提供额外的津贴，如慷慨的带薪休假政策。这是你应该去了解的，看看你是否正需要用这个好处，或者你是否能享受到带薪假。在接受工作之前，你还要考虑到，今年是否有任何特别的需要，例如预先安排的假期或产假之类的。
A word to the wise — be sure to measure any benefits offered by a potential new company against those offered by your spouse’s plan. You may be better off switching over to that plan due to costs or coverage benefits.
给一点忠告：你一定要衡量一个潜在新公司提供给你的诸多福利和你配偶的福利计划。受成本或保险范围的影响，你最好变换到某个计划。
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