Find out if there are any monthly or per-pay-period costs for the overall benefits plan (which will make an immediate and tangible dent in your take-home pay), who is covered (does it only cover you or does it also cover other family members and future family members), when each component of the benefit actually begins (some will begin the first day of work, some after 30 days, and some after one year of employment), and whether any of the benefits are taxable (life insurance is an example of a benefit that you can end up paying taxes on at the end of the year). If the benefits are provided cafeteria-style (where you can pick and choose which you will enroll in), find out if you can add additional benefits at a later date and what restrictions would be involved.

Life Insurance

Although you are likely not planning your funeral arrangements yet, this benefit will become increasingly important as you add loved ones to your life. In the meantime, it may cover the basic expenses in the event of unexpected tragedy. Some companies will also provide you with the opportunity to purchase additional blocks of term insurance, frequently at or above the going market rate.

Accidental Death Insurance

As if it somehow matters how you die, some companies pay more if your death is of a more spectacular nature. If they offer it for free, take it. Don't buy additional amounts.

Disability Insurance

One of those benefits that you will never ever care about until you really need it. Disability insurance is usually divided into short-term disability (which can sometimes include an allocation for sick pay) and long-term disability (which usually kicks in after six months to a year). Note the percentage amount, how that percentage may change over time, and what that percentage is based on.

Vacation

As in the USA or France, some companies, however, do not provide any vacation during the first year. Note also whether vacation days accumulate according to the calendar year or work year (based on your date of hire).

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