Deciding to offer stock options is a no-brainer; deciding on the type of option plan is another story. The shares can be purchased at the value of the stock at the time the option was granted. If the employee leaves the job, the employee is usually paid for the banked time. The logic behind this is that you want the employee to come back to work after a short, unforeseen accident or injury -- employers rarely see an employee come back from a long-term disability. But take note: If you have back problems, avoid this pose. While plans differ by employers, in general, employees who have this benefit are allowed to take time off whenever they want to. While this can be either done in a standing or seated position, be aware of your head and neck position -- you want to keep your head and neck straight and your chin slightly tucked in.

Become aware of and eliminate habits -- such as resting your head on your hand, cradling the phone between your shoulder and cheek, what is yoga or clenching your teeth -- that tend to stress the jaw joint. It's basically your body's way of dealing with acute stress. But Americans also pay tax dollars that find their way to health care systems (for instance for Medicaid and Medicare). Health purchasing alliances provide a needed service for small businesses by providing a way for them to purchase group insurance at lower fees than they normally could. You can get a list of registered health underwriter brokers in your area by contacting the National Association of Health Underwriters. Also, remember to go through a reputable broker to get the best deal. Also, there are many variables in selecting the policies, everything from the exclusion period, which can be based on different time periods if it's an injury or illness, to pre-existing condition limitations, self-reported claim limitations, own-occupation protection, and rate guarantee. Also, check into the operations of the alliance to ensure that all of the funds are managed correctly.

You can also check with trade, professional and other associations to see if they offer group health coverage. Check with regulations in your state's insurance laws and also with your insurer, because there are still a few restrictions that may affect your ability to offer the benefit even if you want to. You may not be able to buy a new winter coat, but you can buy a scarf and matching gloves to wear with it, or invest in a silk scarf for your navy blue suit or a new belt for that little black dress. A 1961 Barbie styled as a lounge singer wore a long black cocktail gown. You might cook healthier meals, stock fewer sugary snacks or go out for burgers less. A typical scenario might be to provide three weeks of paid time off for the first five years, then step up the amount to four weeks after 10 years, and so on.

There are three classes of stock options: incentive stock options (ISO), employee stock purchase plan options, and nonqualified options. Depending on the business and industry, stock options can be a very valuable and enticing benefit to offer employees and potential employees. If you don't offer it as well, you may be hindering your own efforts to attract talent to your workforce. Idiopathic insomnia stands apart because this type develops early in life and continues to be a lifetime sleep disorder that may (or may not) get worse with stressful events in your life. Your employees and prospective employees will appreciate it because it means they won't have to get physicals before they're covered, and usually they can convert the plan to an individual life insurance plan if/when they leave the company. These situations may come up more often than you think, and even if yours is a small company, you need to have policies in place to address these so that you know you're handling them consistently. Depending on the size of your company, you can offer group life insurance to your employees for as little as 5 cents per $1,000 worth of coverage.