Employee Benefits 101: Main Types
員工福利101：主要類型
Employee benefits have become one of the hottest topics for US labor in recent memory. But what exactly is it and how can it help a business as much as an employee? Here are the basics of how employee benefits work and how they can help you.
員工福利已成為美國勞工近來最熱門的話題之一。但員工福利究竟是什麼？它如何能像員工一樣幫助公司？以下是員工福利如何運作，以及如何為您提供幫助的基礎知識。
Health Insurance
健康保險
A group health plan is an employee welfare benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides medical care for participants or their dependents directly or through insurance, reimbursement, or otherwise.
團體健康計劃是由雇主或員工組織（如工會）或兩者一起，建立或維護的員工福利計劃，直接或通過保險、報銷或其他方式為參與者或其家屬提供醫療服務。
Most private-sector health plans are covered by the Employee Retirement Income Security Act (ERISA). Among other things, ERISA provides protections for participants and beneficiaries in employee benefit plans (participant rights), including providing access to plan information. Also, those individuals who manage plans (and other fiduciaries) must meet certain standards of conduct under the fiduciary responsibilities specified in the law.
大多數私營部門的健康計劃都受《僱員退休收入保障法》(ERISA) 的保護。除其他外，ERISA 為員工福利計劃的參與者和受益人提供保護（參與者權利），包括提供對計劃信息的獲得。此外，管理計劃的個人（和其他受託人）必須符合法律規定的受託責任下的某些行為標準。
Retirement plan
退休計劃
A retirement plan has lots of benefits for you, your business, and your employees. Retirement plans allow you to invest now for financial security when you and your employees retire. As a bonus, you and your employees get significant tax advantages and other incentives.
退休計劃對您、您的公司和您的員工都有很多好處。退休計劃允許您和您的員工退休時立即投資以獲得財務保障。作為獎勵，您和您的員工可以獲得顯著的稅收優惠和其他獎勵。
Business benefits:
對公司的好處：
-Employer contributions are tax-deductible.
雇主供款可以免稅。
-Assets in the plan grow tax-free.
計劃中的資產免稅增長。
-Plan options are flexible.
計劃選項很靈活。
-Tax credits and other benefits for starting a plan may help reduce costs.
啟動計劃的稅收抵免和其他福利可能有助於降低成本。
-Retirement plans can attract and keep better employees, which reduces new employee training costs.
退休計劃可以吸引和留住更好的員工，從而降低新員工的培訓成本。
Life Insurance
人壽保險
Life insurance is an insurance policy that provides, in exchange for monthly, quarterly, or annual premium payments, a lump sum of money to the designated beneficiary of an employee who dies.
人壽保險是一種保險，以支付每月、每季度或每年的保費為交換，向死亡員工的指定受益人提供一次性身故賠償。
Life insurance marks an employer as an employer of choice when desirable candidates select job opportunities. It is one of the comprehensive set of benefits that employees look for when on the job search and choosing an employer. Especially employees with families like the security of the safety net that life insurance provides.
當理想的應聘人員選擇工作機會時，人壽保險會幫助雇主成為首選。這是員工在求職和選擇雇主時所尋求的綜合福利之一。尤其是有家庭的員工，就像人壽保險提供的安全網一樣。
Life insurance provides peace of mind for an employee who is concerned about how his or her family, or heirs, will make out financially in the event of his or her death. Life insurance provides a certain financial cushion for the employee's survivors if the employee's death is not due to his fault.
在員工去世後，人壽保險為他們的家人或受益人，在財務上可以提供保障。如果員工的死亡不是自身錯誤造成的，人壽保險可為員工的家人或受益人提供一定的財務緩衝。
Disability Insurance
傷殘保險
As its name suggests, disability insurance is a type of insurance product that provides an income if a policyholder is prevented from working and earning an income due to a disability.
顧名思義，傷殘保險是一種保險產品，如果保單持有人因殘疾而無法工作和賺取收入，則該保險會提供收入。
In the United States, individuals can obtain disability insurance from the government through the Social Security System. They can also purchase disability insurance from private insurers.
在美國，個人可以通過社會保障系統從政府那裡獲得殘疾保險。他們也可以從私人保險公司購買傷殘保險。
Source 文章來源: https://www.dol.gov/