EMPLOYEE BENEFITS
Do you know how to use your benefits program effectively?

     Companies spend millions of dollars on employee benefits, yet many employees don't spend the time to fully understand all the benefits provided. It is important to understand what you have in order to compliment your employer program with your own personal plan. There are three resources to help you build your financial future. 1) Social Security and Medicare is provided by the federal government. 2) Your employer provides what they can afford for employees, 3) and you should be carefully planning to build your own financial future. In the end, you will be responsible for retirement and living to age 100. If you have generous employee benefits because your company is large enough to finance a good benefit package, consider yourself blessed. However no matter how good your benefits are, you will need to supplement those benefits with your personal plan. If your company is unable to pay all the benefits provided by other companies you will need to plan even more carefully.

     The following is a list of your employee benefits program and how to get more information from your employer. Contact __________ for more information. (Customized for each employee group).

     This article will be customized for each member or employer program.

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