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What is your companies medical insurance like?
I think my company has not so good insurance but that’s just compared to friends I know that work down at the docks/port.
Current medical plan - single person.
plan is level 2 out of 3 tiers.
$97 a month blue anthem ppo
$1700 deductible
$4000 out of pocket max
100% preventive covered
80% diagnostic covered AFTER deductible hit
80% prescription covered AFTER $200 deductible hit…
Thinking about having surgery for my knee and this seems costly
Northrop Grumman
There are others! 🙌🏽
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Additional Posts in Salary Negotiations
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You're not going to damage trust by negotiating after a verbal offer. That's literally when you're supposed to negotiate. They expect it. I've countered on every offer I've ever received and not once has anyone rescinded or acted weird about it. The worst they'll say is no and you're back to exactly where you started.
thank you! that makes a lot of sense to me
Always stick to a range of acceptance before the offer. Have the lowest end of the spectrum be the absolute lowest you would accept. If at the time of offer they offer you lower than that, remind them of the now-preestablished salary basis and start the counteroffer process. If they can't do it, that's on them for wasting time when you were honest from the beginning. Most legit recruiters love ranges and won't even continue the process if it isn't going to work. They, therefore, shouldn't be offering less than your basement.
That's in a perfect world, but the going gets tough when the mortgage is due. Always counteroffer if you feel truly deserving of the requested pay for skills and experience. If so, you should be able to explain how the request is appropriate. It may not seem like it since recruiters are the messengers of the hiring process, but when pay negotiations start, give the recruiter the ammunition they need to advocate for you. You need an ally behind those closed doors.
If they still come back lower than you will accept, It's OK to decline. But again, the mortgage doesn't pay itself. Ask about the entire compensation package. Stocks options, insurance, 401, even the office culture. Pay is the biggest but not only piece of the puzzle.
(On a personal note- I was offered just below my basement, which was my current pay. Essentially a pay cut. I panicked but took a breath and asked more questions. Turns out the company paid fully for employees' health insurance premiums and matched 401k 2% higher. I took it. My paycheck wasn't a disaster, plus my savings grew.)
Money discussions seem awkward, but they are daily for recruitment. Just another conversation.
that's a fantastic perspective. really appreciated, thank you! and so glad you took a breath and were able to get to a good outcome with your offer too. it is awkward but worth a great discussion!
I normally respond if the salary is in the ballpark of what I am looking for but normally ask for th full comp package before responding. Depending on benefits like health insurance, 401k, etc can all have an impact on total compensation.
love this response!
Subject Expert
Verbal is just that. Nothing is finalized until you sign the docusign documents...
so true. thank you!