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Exploring a more generous package can be fruitful if, for example, you don`t necessarily need all the components of the offering. For example, if you are insured for health care under a spouse`s employee directive, you can require that the company`s costs for providing free COBRA coverage or, at the very least, some of them, be added to severance pay. If you refuse early retirement, you can continue to thrive with your employer. You could earn promotions and salary increases that would increase your pension. They could benefit from a second early retirement offer, better than the first. But you may not be so lucky. Consider whether your position could be eliminated later. Does your employer`s early retirement offer involve medical care for you and your family? If not, look at your other health insurance options, like COBRA, a private policy, or coverage dependent on your employer-sponsored spouse`s plan…