You go home, do some research, buy your own health insurance, life insurance, save for your own retirement, etc.
What I find interesting is that people think employers should not be giving things like pensions. He are the flaws in your thinking.
Your salary is more than just your rate of pay. If my employer would like to pay me 3 times what they currently pay me, then I would go for that. Unfortunatly, that is not going to happen.
Pensions are a way to divert pay into the future with less investment than it would be to pay them now. Employers did not fulfill their part of the bargain. They chose not to invest into pension plans like they should have. I have no sympathy for those companies. You had the opportunity to invest that money, but chose not to do so. If it puts you out of business, then so be it. You are still going to pay me for my time.
You can pay me now, or pay me later. There is one thing for certain.
You are going to pay me!
My employer, for example, added 50% more responsibility to my job. I never got a raise because of it and my merit raise was an insulting $1200/year. So I have become pro-active in this. I am searching for a different job. I have made it known that I am not happy and I am doing what I have to do to make it right with me.
If it means that I am going to sever my ties with my employer, then that is what I am going to do. I refuse to continue to do what I am doing for the pay they are paying me. I know my worth and I will take it where it is appreciated.
She became a victim of the things she demanded from her employer.
She did not demand anything. Company policy stated that this is what they will do. When you hire in with an employer, a contract is set. They say the following...
Work for us and here is what we will pay you...
1, $XX.XX per hour
2, a 401(k) plan with company match of X%
3, health insurance
4, dental insurance
5, these working conditions
6, if your job center closes down, you get $XXX as a severence package
7, etc
8, etc
9, etc
Allstate DID NOT hold up their side of the bargain and Theresa did not "demand" these things. Anyone that tries to claim this is the case is only fooling themself.
I have never been to an employer and demanded anything outside of my salary/hourly rate. I have never negotiated my severence package, health benefits, or retirement package.
I just can't seem to understand why it is expected of a company to provide a salary, take care of employees' health, pay for their childcare, save for their retirement for them, etc. This gets to the point of the company you work for doing your life planning. I expect a salary and nothing more. Perhaps I'm crazy.
If a company only want to offer a salary and nothing else, that is up to them, but the salary will have to be high enough to make up for the things they are not paying you for. If all you expect from your employer, then you haven't been in the workforce long enough.
I don't know of any "good companies" that don't offer any type of health care and retirement planning.
Tom