Before saying ‘yes’ to that job…

Before saying ‘yes’ to that job…

Ask these crucial money questions first – no matter how badly you want it.

Do I get any allowances?

Why it matters: You could be reimbursed for transport, entertainment, laptop, mobile phone, travel and clothing expenses.

Get the low-down: Find out what's included and how much you need to co-pay. Check if you must make claims for your spending or if you'll get a fixed monthly allowance.

Allowances, which are part of your salary, are CPF deductible. If you'll have to make claims, find out how frequently submissions can be made and how long the company will take to reimburse you.

What are my medical benefits?

Why it matters: It affects your health protection and expenses, which can add up to a costly sum.

Get the low-down: Most companies offer a basic health benefits package that covers hospitalisation and clinic visits, and personal accident and life insurance. You might also get dental benefits and medical coverage for your immediate and extended family members.

Check if there are maternity benefits that subsidise the cost of prenatal checkups and delivery. Ask how much the company will cover and the amount you will have to co-pay. For instance, you might be given a cap of $20 per clinic visit, and have to pay for the rest.

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