Benefits can be a major reason to remain in or return to the workforce.

The general guideline in deciding which benefits to take as a new employee is to "take as much as you can get." You can always drop a benefit. It may be more difficult to sign up later, or to increase amounts of a benefit later, because of your health history. There are usually "Open Enrollment" periods during which you can make changes without health questions or an exam, but they may not cover all benefits or increases in coverage.

When you review benefits, in addition to looking at a benefit, check:

• Is it for all employees?
• Is there a probation period?

• Who pays for what?

This article covers an overview of the types of benefits employers offer today. If you're thinking of changing jobs, or returning to the work force, you'll have a checklist against which to gauge the benefits a new employer offers. As you'll see, you qualify for most of the benefits despite your health history.

The key is to review the employer's package of benefits and determine which are of real benefit to you.

If there are choices (such as several types of health insurance), other articles on this site provide more in-depth, unbiased, ideas for helping make the best choice for you.

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