What Employee Benefits Should I Take?

New jobs come with all sorts of perks that you can opt into (and pay for, in many cases – but your employer often subsidizes a large part of the cost). For benefits like insurance, you can generally sign up when you start your job, and your coverage will begin after a waiting period, sometimes of 30 to 60 days, or on the first day of the following month after you're hired. Here's a closer look at some of the benefits you can expect to be offered as a new employee, and whether they're worth payin...