If you have benefits with your work, these make up part of your compensation package. When the Compensation and Benefits department looks at the cost of employing you, they look not only at your annual salary and overtime, but they look at your benefits package as well.
It's fabulous for the benefits company if you aren't using your benefits, but not so fabulous for you; you are giving up part of your compensation package. Furthermore, the employer typically has to pay for them at a base rate anyway; if it is obvious that one particular benefit is being under-used, why would they continue to pay for it?
Review Your Benefits Package
Some of my colleagues weren't even aware that we were entitled to some of the benefits that we are. Review your benefits package (you likely got a synopsis of your benefits when you were hired, but if you cannot find it, contact your HR department). You may be surprised with what you are missing out on.
I remember one of my colleagues didn't even know that we had half the benefits we are entitled to!
Try Your Benefits Out
I was actually hesitant to use one of my benefits when I first started with my company because I didn't know what it was all about. It took me 5 months to start using it and I have never looked back.
If you're unsure, just try your benefits out. You may end up using them more often - thereby actually using that part of your compensation!
So You Have to Pay Upfront
Some of my colleagues don't use benefits because they are reimbursable; meaning, they have to pay up front but get reimbursed in full after they submit the claim.
I LOVE reimbursable benefits! I get to collect rewards points on my credit card for money that I technically didn't spend money on. They usually reimburse within the week if you submit the claim quickly enough.
I love looking at my account and seeing the total I've used each month and year. It's my goal to get that as high as possible so that I'm actually using them!
Don't give up part of your compensation package!