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Interesting article about employee benefits today: http://bit.ly/aRBBLu

In a nutshell, many of the new jobs being created are independent contractor positions or contract work with little or no employee benefits.  That translates to this: being more responsible for your own health insurance and retirement planning.  If you are an independent contractor, I welcome your comments and opinions on this topic.

The landscape for retirement benefits has been changing over the last decade, with defined-benefit plans (pensions) disappearing, and more of the planning responsibility shifted to the employee – this isn’t a bad thing, it just means that people need to actively seek advice for themselves, and not rely 100% on what their employer offers.

Now, the landscape for health insurance benefits is also being shifted to the employee (at least for now).

If your current employee benefits run the gamut of a stellar health insurance plan, robust 401(k)/retirement plan, paid vacation, and other fringe benefits, keep in mind that they might not be there forever.  Just look at headlines from the last decade – some of the biggest companies getting taking pensions from loyal employees with 30+ years with the company.

I review employee benefit handbooks all the time, and I am happy to do it for you.  If you have any questions about what you have/don’t have, please contact me anytime.  I do not charge to do this!  And for the record, please don’t hesitate to call me, even if you have a simple question.