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Answer: You are the HR consultant to a small business with about 40 employees. At the present time, the firm offers only five days’ vacation, five paid holidays, and legally mandated benefits such as unemployment insurance payments. Develop a list of other benefits that you believe it should offer, along with your reasons for suggesting them. Many small-business owners mistakenly believe they cannot afford to offer benefits. But while going without benefits may boost your bottom line in the short run, then penny-wise philosophy could strangle your business's chances for long-term prosperity.Heading the list of must-have benefits is medical insurance, but many job applicants also demand a retirement plan, disability insurance and more. Tell these applicants no benefits are offered, and often top-flight candidates will head for the door.The positive side to this coin: Offer the right benefit, and your business may just jump-start itsgrowth. "Give employees the benefits they value, and they'll be more satisfied, miss fewer workdays, be less likely to quit, and have higher commitment to meeting the company's goals," says Joe Lineberry, a senior vice president at Aon Consulting, a human resources consulting firm. "The research shows that when employees feel their benefits needs are satisfied, they're more productive."These are the other benefits my company will also offer:Retirement plansHealth plans (except in Hawaii)Dental or vision plansLife insurance plansPaid vacations, holidays or sick leave