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Work: Benefits Offered By Employers

How To Learn About A Prospective Employer's Benefit Plans Without Disclosing Your Health Condition

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When trying to learn about a potential employer's benefits, the first step is to a look at the employer's web site, if there is one. Most large employers describe their benefits on their web site. If you had previous health insurance, and the gap between jobs is no more than two months, you don't have to be concerned about whether the new employer's health plan excludes coverage for previous health conditions or includes a waiting period for coverage. For more information about this subject, see HIPAA.

If the web site isn't helpful, contact the employer's Human Resources department and ask for a description of the benefits that go with the job which you are considering. So an employer doesn't think that if you apply for a job, you are only looking at the benefits (and not what you can contribute to the company), it is preferable not to use your own name. If the job is unique so there are likely to be few applicants, try to describe the job by its type so you learn about the benefits for that job level instead of the specific job.

You can also ask any people you know who are or were employed by the company.

If all else fails, you can apply for the job, but not accept it until you learn about the company's health benefits. 

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