BENEFIT PLANS (Chp.

13)
• 3 Pilihan strategis fundamental agar
Benefit Plans berhasil :
1. Dana yang tersedia
2. Program dibuat mencakup segala hal
(budaya, landasan hukum, hak
karyawan)
3. Program flexibel terhadap perubahan yg
terjadi
 COMPETITIVENESS
(benefit harus punya daya saing)
1. Competitive Advantage
2. Differential Advantage
 REKOMENDASI AGAR BENEFIT
TETAP TERJAGA
1. Perlu data, bandingkan profit, sales, gaji
2. Mengerti betul program Safety & Health
3. Undang orang luar demi efisiensi
4. Upayakan ikut terlibat penentuan kompensasi
pada negara
5. Informasikan benefit pada karyawan
6. Perhatikan keadaan2 emergency
7. Tegakkan sanksi
8. Upayakan SDM sakit untuk cepat sembuh
9. Selidiki penyebab kecelakaan
 BENTUK BENEFIT
1. Mandatory Security :
a. Unemployment Compensation
b. Social Security
2. Voluntary Security :
a. Severance Pay
b. Golden Parachutes
c. SUB ( Supplement Unemployment Benefits )
3. Retirement :
Pendanaan (Funded Plan/Unfunded Plan)
Asuransi Pensiun : Insured Pension/Un Insured Pension
Contribution : Non Contribution/Contribution
4. Time off related benefits :
a. Holiday Pay
b. Vacations
c. Leaves of absence
5. Health & Insurance – Health Care Cost :
a. HMOs (Health Maintenance Organizations)
b. PPOs (Preferred Provider Organizations)
c. Employee Copayment
d. Employee Payment of Deductible
e. Self Funded Insurance
f. Wellness / Fitness Program
g. Restrictipon on Psychiatric & substance
abuse program
6. Financial, Sosial & Recreational
Benefits :
a. Non Financial Benefits
b. Stock Benefits (Thrift benefits)
c. Educational Benefits
d. Child Care Benefits/Elder Care
Benefits
e. Plan Cafetaria
f. Family Friendly Benefits
 FUTURE BENEFIT CHANGE
1. More paid leave
2. Educational & Training
3. Career Planning
4. Housing
5. Late retirement
6. Domestic Partner Benefit
7. Vacations
8. Health Care
 MANAGEMENT GUIDELINES
1. Benefit harus diatur secara strategis
2. Benefit cost akan selalu bertambah, harus waspada
3. Perlu penekanan pada efektivitas benefit & kontribusi
benefit
4. Benefit akan memberi Competitive Advantage,
sehingga profit naik
5. Kebutuhan berubah – program flexibel/model cafetaria
6. Ikuti regulasi negara/hukum yang berlaku
7. Program benefit diinformasikan jelas kepada karyawan
8. Biaya kesehatan, asuransi pensiun akan meningkat
seiring biay hidup yg meningkat, tekanan bagi program
benefit