Skipping meals Youre missing out on breakfast benefits

Skipping meals Youre missing out on breakfast benefitsSkipping meals Youre missing out on breakfast benefitsWith the rise of intermittent fasting, skipping meals is becoming trendy. There is proof that choosing to notlage eat meals does indeed help you meet exercise goals. But does skipping breakfast actually help your body? The verdict is still out. Some fasters choose to forego it. Fasting dieter and neuroscientistMark Mattson said he has not had one in 35 years and he claims to not miss itIm not hungry at all in the morning, and this is other peoples experience as well. Its just a matter of getting adapted to it, he told the New York Times.But before you scrap eating omelets and oatmeal in the morning forever, remember that research still finds health benefits to eating breakfast that you may miss.The case for not skipping breakfastWhen you eat breakfast, you are doing your brain a favor. It improves your memory. High energy intake from breakfast had a beneficial effect on immedia te recall in short-term memory evaluated, researchers testing teenagers found. It may even get you moving more. A study in the American Journal of Clinical Nutrition found that a morning meal was linked to higher physical activity thermogenesis in lean adults.And above all, it helps keep our bodies stable. We are better able to control our blood sugar level and metabolism earlier in the day.One study found that breakfast skippers had bigger spikes in blood sugar levels.For all you fasters, you may want to rethink which meal you want to sacrifice to your weight-loss god. If youre picking between eating a large breakfast or a large dinner, you may want to pick the former.When we eat a large meal at breakfast, our bodies can handle it really well. So when it comes to intermittent-fasting regimens, I think the ones that are going to show the most promise moving forward are the ones where the food consumption is in the daytime,Dorothy Sears, the associate director of the Center for Circa dian Biology at UCSD notes.

Job Options When Joining the Marine Corps

Job Options When Joining the Marine korporationJob Options When Joining the Marine korporationBefore joining any branch of the military, you should do your research and figure out a few areas where you would like to specialize.From computer sciences to special operations and everything in between, the military will take your interests and find a home for you. If you have done your research, you can help guide the recruiters in a general direction of the type of job you would like to perform in the military. When joining the Marine Corps there are many things to consider.To start off considering your physical fitness and what job you want to do. Physical Fitness Standards First, out of all the branches of service, the USMC has the most difficult physical fitness standards. The timed run is longer (3 miles) and the pull-up / flexed arm hang exercise is also tested for Marines. Rucking, which is walking fast while carrying a backpack and other gear and weapons will also be part of y our training regardless of your job you seek. The saying, All Marines are Riflemen is not a myth.Regardless of your MOS, all Marines are considered to beRiflemenfirst, and whatever MOS (job) they happen to hold, second.In fact, the Marine Corps has even been known to deployBandmembers to combat zones and use them oncombat patrols. So be prepared for the physical fitness standards before you attend boot camp.Your recruiter will usually make sure you are prepared before you join the Marines. As a country, the United States has continuously increased in weight and body fat percentages over the years.In fact, the number one reason why young recruits cannot join the military is due to not reaching the height/weight standards of the military in general. Previous generations fought with lack of a high school diploma, medical disqualifications, criminal records as the main reasons why they could not join the military.Meeting a higher than average fitness standard prior to joining the milita ry will help you graduate with fewer distractions, learn your job better, and statistically less likely to become injured thanrecruits who are not prepared. Picking a Job or Military Occupational Specialty (MOS) Secondly, selecting a skill should be something that you are truly interested in pursuing.The Marine Corps has over 180enlisted jobs, which are called Military Occupational Specialties, or MOS. Because the Marine Corps gets much of their non-combat support from the Navy (medical, dental, chaplain), their job ratio is heavily weighted toward combat jobs, however, with the everchanging needs of the military, jobs relying on highly technical skills are important for the Marines to recruit. Jobs that require computer networking skills, electronic communications abilities, and more high tech jobs are continuing to grow in importance as the military needs these capabilities not just for operational requirements but for Marine morale and personal time as well. Its almost imposs ible to get a guaranteed job in a Marine Corps enlistment contract. When an applicant walks into a Marine Corps Recruiting Office, he/she is expected to want to become a MARINE, with actual Marine Corps job a secondary consideration. A majority of Marines are enlisted in a general field by their recruiter. For example, say you want to be an administrative specialist in the Marine Corps. You would enlist under the Personnel and Administration Field, but you are only guaranteed to get one of the MOSs (jobs) listed in that field. You are not guaranteed any specific MOS. There are over 35 different career fields with dozens of related MOSs associated with them.Some examples of the USMC MOS career fields are the following Personnel and AdministrationIntelligenceInfantryLogisticsMarine Air Ground Task Force (MAGTF) PlansCommunicationsField ArtilleryTrainingUtilities... There are many other MOS career fields ranging from linguists, motor vehicle transport and maintenance, food services, se curity, and even the band.If you are considering joining the military, think about what skills you want to learn and how you want to serve your country.Then find what branch of service is right for you as you will find research into a future career path should not be something left to other to decide for you.You drive the conversation and find a job that interests you, do not let the needs of the military tell you what you will specialize in.

Customize this Outstanding Wholesale Sales Manager Resume Sample

Customize this Outstanding Wholesale Sales Manager Resume SampleCustomize this Outstanding Wholesale Sales Manager Resume SampleIt is no secret that getting hired for a new job is not an easy task. Putting together a resume that both communicates your abilities accurately and meets the high expectations that hiring managers have is hard. One of the best ways to make sure your resume is doing its job effectively is to review example resumes. The following wholesale ausverkauf manager resume sample is the kind of document that would catch the attention of employers that read it. With the additional writing guide that is included, you can learn all the formatting techniques and resume voreingestellts to make your resume stand out from the crowd.Create Resume Eric Denner100 Broadway LaneNew Parkland, CA, 91010Cell (555) 987-1234example-emailexample.comProfessional SummaryProactive Wholesales Sales Manager constantly searching for bigger retail opportunities and new partners to expand th e business. Specializes in maintaining channel relationships, uncovering significant opportunities and negotiating arrangements with larger retail clients. Dedicated to growing the business through hard work and good customer relationships.Core QualificationsChannel Partner MaintenanceManufacturer Requirement MonitoringProfessional NetworkingSales Industry ResearchSales TrainingInternet MarketingExperienceWholesale Sales Manager, monat des herbstbeginns 2009 May 2015Breshland Distributors New Cityland, CAManaged exclusive distribution deals through several manufacturers.Developed a sales team that went out and found large opportunities.Created the outside sales force and watched as it grew revenue by 21 percent.Wholesale Sales Manager, June 1995 November 2003Dellar Wholesale New Cityland, CAHelped to transition the company from a regional to national distributor.Responsible for a 21% rise in revenue.Assisted in bringing on four major industry manufacturers.Education1995 Bachelor of Science, BusinessMellon University New Cityland, CACustomize ResumeWhy Is This a Good Wholesale Sales Manager Resume Sample?Before considering the individual sections of this resume sample, take a look at it as a whole. Unfortunately, it is not a guarantee that employers will read your resume. They may first take a broad look at it and might stop there if it looks unorganized or uninteresting. This sample resume has concise sections so it does not look cluttered. After you finish writing, make sure there are no instances of large, intimidating blocks of uninterrupted text or gaps of wasted space.Next, look at each section. The wholesale sales manager resume sample keeps the summary, skills, and education sections as brief as possible. In most cases, these sections should only be a few lines long. This summary is three sentences, but you can also opt to write it as three bullet points. The first two sections are primarily meant to encourage employers to read through the work his tory section.Finally, notice that the work history section is the longest part of the resume. This is what employers are most interested in, so you should include lots of strong information. Begin with the most recent position you have held, and list the rest backward. The wholesale sales manager resume sample has a large gap in employment, which is not ideal, but it is better than the alternative of including unimportant or irrelevant positions. The importance of each position will also determine how many bullet points to include. Less-important positions can have as few as three or four, but most should have between five and eight. Most importantly, every bullet point needs to have a strong action verb for the first word. This is an expected resume standard to which you should adhere. The action words used in this resume sample can help you chose your own verbs that accurately reflect your daily responsibilities.Why You Need a Strong Wholesale Sales Manager ResumeHaving a strong r esume is important because there will almost always be many candidates competing for any wholesale sales manager position for which you apply. Studies show that most employers spend an average of six seconds reviewing each resume before moving on to the next one. If there is nothing to make your resume stand out from all the others, youll have a reduced chance of earning an interview. Additionally, statistics suggest sales manager employment will increase slightly over the next decade, which means openings are only going to become more competitive. This wholesale sales manager resume sample will help you make sure your resume is up to the challenge.Costly Wholesale Sales Manager Resume Mistakes To AvoidIn addition to summarizing your skills and experiences, your resume needs to be tailored to the position for which you are applying. It can be easy to forget that the skills you emphasize in your resume need to be focused and relevant. Some skills may be impressive but ultimately unre lated to sales management, and therefore should not be included. Notice in the wholesale sales manager resume sample that many of the entries in the skills section relate directly to making and managing sales.Additionally, the job of sales manager is a position of leadership. This means you should write your resume with confidence. Establishing that you have no trouble managing others and delegating tasks is a good idea.Finally, a beneficial way to strengthen your resume is to add specific metrics. Even if everything in your resume is true, it does not do any good if it isnt relatable. Putting in real numbers to represent previous performances adds credibility and lets employers understand how you would benefit them if hired.ConclusionBecause your resume may be the only thing employers have when deciding whether or not to offer you a chance to interview, you need to make sure your resume is as strong as possible. Use this wholesale sales manager resume sample and writing guide to cr eate a resume that will catch their attention and portray you in the right light.

Customizing Wheelchairs with 3D Printing

Customizing Wheelchairs with 3D Printing Customizing Wheelchairs with 3D Printing Customizing Wheelchairs with 3D PrintingHow many owners have a seat in their car that truly shapes to their body? And how many can say the same about their favorite chair at home? But lets say were talking about a wheelchair. Says Benjamin Hubert, design director of Layer, based in London, UK With wheelchairs, many people dont have nearly enough choices. And when you think about how people rely on wheelchairs, with better customization, what a difference it could make.And thats what Huberts team might just be able to do make a difference. As it has with many attempts to improve physical comfort, the 3D printer is very much at the center of this mission, creating the seat and footrest of the custom models created by Layer.The project started with looking at the wheelchair category but 3D printing came later, he says. We found there just wasnt enough being done for users, from asymmetry to body shape and more. Research is so critical in our work. Biometric data is key, with the user creating data points and its translated through algorithm to generative structure and the structure is different each time. The computer cant entirely measure, so manual human assessment is used in combination with data being translated.The custom form of the seat and foot-bay is driven by 3D digital data derived from mapping each users biometric information. Image LayerPart of the design comes from users being fit into foam, he says. The foam is a pre-mold, with the user sitting in the foam. It then cures to hold the shape and then is sent to be 3D scanned.Among the many aspects of a customized chair, one might not think about the comfort of users feet, but its critical to the user experience, Hubert says. We can scan peoples feet and work with insoles, he says. A leading harte nuss is that users can find that their feet will turn in and thats an area of strong frustration.But customization is also abou t determining the features certain users dont want, he says. For one person who gave us feedback, theyd go out with friends and find theyd push them with assisting bars and without permission, he says. They felt like a doll.There is also a clear need in the area of style, he says. They can be very mechanical, boxy frames and many users would like a better visual, he says. Many users want to be seen first, head-on, instead of the chair. One current design is a specific frame that works with a 3D printing system. You cant just retrofit the seat to any existing frame, he says. The frame for the design is a single-post, sort of T-shaped framework. The seat mounts on to the single post. That single post set-up allows for freedom of flexibility.The printer utilized for the prototype is an industrial-sized type called Mammoth, approximately three meters by one meter, he says.Though the work so far has been encouraging, Hubert says, hes quick to remind that theyre still in prototype mode. I ts not simple when you think of a prototyping process and then, on top of it, that its the medical industry, Hubert says. Challenges include cost and efficiency of the process. Its a positive process but you still have to remember that this can take a decent amount of years to get to the end.Hubert says the present estimate is that the product would get to the user in two weeks, with the actual printing time being approximately three days.As a designer, your ambition is to solve problems and make things incrementally better for people, he says of the project, which has also involved extensive road testing. behauptung users deserve a chair that fits them well, in many ways.Eric Butterman is an independent writer.As a designer, your ambition is to solve problems and make things incrementally better for people. These users deserve a chair that fits them well, in many ways.Benjamin Hubert, Layer

New Questions About Resume Skill and Abilities Examples Answered and Why You Must Read Every Word of This Report

New Questions About Resume Skill and Abilities Examples Answered and Why You Must Read Every Word of This Report Swimming itself is the skill a combo of his understanding of the way to swim and his capacity to swim. Soft abilities, on the flip side, arent simple to quantify. Hard skills arent skills that are tough to learn. Soft skills are the skills that are relevant to every job. As you proceed through the list of skills above, make a distinct list with the skills which you already possess. In the job of knowledge networking, those who have knowledge to contribute are anticipated to contribute it freely. Whether youve got applicable technical abilities or only military soft abilities, the trick to finding a job will be in understanding how to present the skills you have to an employer. Keep in mind, the majority of the special skills that you set on your resume needs to be job-related skills taken from the work description and your best transferable skills. Only you must send a great administrative assistant resume to recruiters. If youre on the lookout for a career with greater responsibilities and possible advancement, you may consider the Merchant Marine. Many applications provide you with the chance to elaborate on why you would like the job, or what makes you uniquely qualified for the job. Ensured accurate maturation of communication by supplying correspondence to supervisor for approval. Managers understand how to select and create the proper people for the appropriate roles and have to be in a position to motivate their team, especially when morale starts plummeting. Theres loads of call for merchant seamen with the correct skills. Its imperative to understand how to lift up employees in order that they feel engaged, along with recognized and appreciated for their contributions to the firm. Resume Skill and Abilities Examples for Dummies The placement of your skills section is also a rather important matter to take into account. If y ou opt to rely on your basic application as opposed to write individual responses to the KSAs, you ought to be certain that your basic application covers all the KSAs. There are styles of preparing your skills section that could leise show you in the very best light. It provides a window into how much capability you can bring to the company. Perhaps your skill set is entirely different. The capability to create a plan is one which shouldnt be brushed aside. The capacity to work nicely with numbers serves as a fantastic example. The capability to endure routine and repetition is one which will arrive in handy regardless of what you pursue. One of the absolute most important facets of perceptual reasoning is the capability to recognize and organize visual stimuli. By way of example, obtaining the capability to use many different laboratory instruments may be used towards a Laboratory Technician position. The definitions can help you concentrate on the assessment that follows . Your knowledge can fix some massive administrative issues. The Fundamentals of Resume Skill and Abilities Examples Revealed The shop manager can observe that vanilla is easily the most common ice-cream flavour. Military soft skills will work as an extra bonus to the particular experience you will be in a position to list on your resume. What Everybody Dislikes About Resume Skill and Abilities Examples and Why KSAs serve as a metric to estimate the capabilities of a prospective applicant concerning likely ability to do the duties of the job. In most cases they will be directly related to essential job skills. Soft skills are very valuable to employers and are a few of the most pursued qualities interviewers search for in profil hires. There are lots of skills that could earn a candidate more attractive to an employer. You are going to be evaluated against each KSA to see whether you meet the requirements. Skills are rather important in this sort of job. The main reaso n I dont feel that individuals should have another person write their resumes or KSAs is that you might be asked questions regarding that information, and you truly must understand whats written. You must also offer a comprehensive response to each KSA. Choosing Resume Skill and Abilities Examples If you get a wide selection of technical abilities, however, your abilities might wind up being precisely what gets you hired. Technical skills are either something youve got or you dont, but theyre always something which youre able to learn. Usually, abilities are apparent through functions completed at work. They are enduring talents that can help a person do a job. There are a couple of different kinds of skill sections and formatting alternatives that you ought to consider when crafting your resume. A little analysis is helpful to glean more details. The problem was, I might get a word between questions. Problem solving skills may be used to do many distinct varieties of thin gs. The Basic Facts of Resume Skill and Abilities Examples On the flip side, there are those who believe creative masterminds are born, and that it is a pure ability. Such questions can give an interviewer a feeling of someones capability to work in a team, solve an issue or offer decent customer support. On the contrary, its probably likely to net you a huge sigh and a visit to the shredder. The capability to say the correct thing at the appropriate time and win people over. A persons skill set is comprised of an assortment of personal skills that theyve acquired through education and employment. Employees should also function to hone their abilities in order to improve their career prospects, but you will discover that some abilities are naturally improved through repetition and experience. While each one of these skills are valuable, its crucial to be particular when translating military experience to civilian employment to be able to emphasize certain military skills b ased on the job youre applying for. For example, if you try to apply for a Chinese-English interpreting job, you have to be fluent in both languages otherwise you would just not qualify for the position. Interview questions can be requested to figure out the degree of knowledge. Start looking for clues to help you draw from your previous experiences the very best example that matches whats necessary for the position. To get the eye of an employer, you will need to supply examples of prior event experience and detail the ways that your involvement directly resulted in the events success. Simply take a peek at our list of guides and resume examples for particular professions.

The Ultimate Free Resume Builder Trick

The Ultimate Free Resume Builder Trick Our professional CV writers are extremely experienced and understand how to make you distinguish yourself from the crowd and make a favorable impression. Resume writing is an intimidating job for everyone. Resume writing tips allow you to understand the appropriate techniques of resume writing. You need a distinctive CV custom written that you get the very best job. Custom writing means a severe company with high standards. There are several free plan templates out there that you help get the job. There are several different templates that you are able to take advantage of to think of the resume. Online resume builder grows more affordable and rather effective choice for creating the resume. Our resume builder is the quickest approach to create a resume that can help you get your fantasy job. There are a lot of on-line builders. Also, it enables you to download your created resume in the type of a PDF file. You will be pleased to know that there are going to be examples of resumes that you are able to look at to receive a concept of the greatest template to use. Free Resume Builder No Longer a Mystery Resumizer free resume creator allows you to preview your resume at any location in the creation procedure. Now you have created a stunning resume why not add to your promotional tools by developing a personal small business card. A similar procedure can be done to modify the major text color. You will likewise be able to discover the options regarding your resume like printing, sending, or exporting. If you know a small html, you could even like to conserve the source to disk, add a couple of further tags, and voila Employing a resume template is now an acceptable and smart practice for numerous factors. Want to Know More About Free Resume Builder? In case you have any hobby thats pertinent to the work position, then its a very good idea to mention it in your resume. In case youre looking for employm ent, it is likely that you know you demand a great resume. If you would like to receive a work soon or are searching to change your work then you want to contemplate the resume. Basically, each job needs to get its very own specific resume. Definitions of Free Resume Builder GotResumeBuilder is a free and easy to use resume builder site. Share your work as soon as youre completely pleased with your design and work, you can share it to the world via your social networking accounts, personal site, or quite a few different channels you might utilize. There are lots of sites which gives a Resume builder facility. You may think that there are already dozens of free resume building services offered in the internet world.

How to Turn Job Duties Into Accomplishments

How to Turn Job Duties Into AccomplishmentsHow to Turn Job Duties Into AccomplishmentsHave you ever been in a job interview that you think is going well until suddenly the hiring manager asks this disarming question?I landsee your resume tells me what youve done. But...what have you accomplished?The hiring manager has a point. Your accomplishments reflect whether you can reach goals for your employer, as a result of your job duties.This question comes up so much becauseResumes often look like job descriptions.Explaining accomplishments is notlage as easy as it sounds.Most online job applications usually ask to see your duties or responsibilities.This post will explain exactly how to show hiring managers what you accomplished.1. Understand the need for evidenceImagine you are a Corporate Director for a global company and you list on your resumeManaged a global team of people. (job duty)But it really says nothing about what you accomplished. So instead, try showing numbers and results. This is your evidence of successAchieved $50M in sales while managing a global team of 300 employees.Hiring managers already know what the positions duties are. They just need to see how the skills you claim to have on your resume and your job duties led to numbers that offer evidence of success.2. Compile a list of questions to interrogate yourself for evidenceBe a bit tough and ask yourself the questions all interviewers are really thinking about. You know you have to show evidence. So, take out your resume and ask yourself these questions for each job position on your resumeWhat problems did I solve?Why welches I really great at my job?How did I stand out in my last job?How much money did I save the company?Do I have any awards or accolades I am proud of?Did I ever consistently meet or exceed goals or quotas?What did I do to go above and beyond the call of a job duty?What new processes did I implement that lead to improvement?When and why was I recognized by a supervisor for a j ob well done?3. Illustrate your evidence with those numbersTake the answers to your questions. Add in as many numbers and facts as you canHow many people were impacted by your work?What percentage did you exceed your goals by?Do not just say, I effectively managed a budget. Show the numbers to explain how much money you saved. You are quantifying your accomplishments, making them easier to understand, and illustrating for the hiring manager the level of work or responsibility required to achieve accomplishments.4. Show some evidence of the added benefit of YouShow this new company how much of a benefit you were to your last company and boss. Communicate to the employer exactly what he/she will receive by hiring you. After all, they need to know what you can do for themLet them know your approach to work by stating how you communicated at your last job. Try something like thisPrepared detailed weekly presentations of team status reports in a timely manner to ensure client satisfactio n.This communicates to the hiring manager that, if you are hired, you will work to provide great service to both staff and clients. You are offering tangible evidence of your work to let others know why you are an asset to this company.Why this mattersA resume full of accomplishments shows you know how to execute, not just do something for money. Its the best way to show an employer you mean business, how you will be of value to others, and why working together will be mutually beneficial

How bottoming out at work can be a good thing

How bottoming out at work can be a good thingHow bottoming out at work can be a good thingIts everyones worst nightmare a catastrophic job loss that perhaps even takes down your social standing, friends, and your home. Hitting bottom means you lose your job and cant find another one again at least not in your field and see no way to make things improve.A study titledHitting Rock Bottom After Job Loss Bouncing Back to Create a New Positive Work Identity, published in the Academy of Management Review, discusses how this situation can eventually turn out for the better, and how youll likely find a way to recover if you let go of your old identity and forge a new one.On the way down, we frantically do all sorts of things to try and repair the situation, and suffer as we fail,explains the studys lead author Dean Shepherd,the Siegfried Professor of Entrepreneurship in Notre DamesMendoza College of Business, in arelease.Bottoming out frees us from the misconception that the problems can b e fixed, and in the process, frees us from other constraints and negative emotions and provides the conditions necessary to find a viable solution.Those who have hit rock bottom with unemployment and loss of their work identity can go one of two waysOne is into a negative, deconstructed numb state where they remain fixed on the present and may self-medicate with drugs and booze.But a healthier way to claw yourself up from the bottom is by using your imagination to fantasize about what work you might take on next and then experimenting a bit, by taking classes, volunteering, or exploring going back to school, for example. These low-risk activities, called identity play, are essentially harmless, but help the unemployed get back in the game and see what they might actually enjoy doing with their skills.Using identity play provides a safe environment to escape the situation and try new things, discarding badeanstalt ideas or finding and refining a new identity and returning stronger t han before, Sheperd says.For example, a failed corporate exec might try being on the board of a nonprofit that needs his guidance, running for office, or working with a startup before choosing a path. A failed entrepreneur might envision how his or her skills could transfer to a corporate job, or take the LSAT.A musician who can no longer play might explore teaching, writing about music, or working at a music store. Or she might try working at a nonprofit or volunteering somewhere non-music related the broader the range of experiences, the better, according to the study.With further refinement maybe the musician wants to teach adult students, not beginners and social validation from her network, also key to the process eventually, shell narrow her focus and find a path. And most importantly, a new work identity to replace the old.In these cases, hitting rock bottom opens up myriad new opportunities, says Sheperd.

How to Choose Your Companys Disability Insurance

How to Choose Your Companys Disability InsuranceHow to Choose Your Companys Disability InsurancePeople dont typically think about falling ill or getting hurt on the job. But when an employee suffers a disability, theyre hoping that at least a portion of their salary will be covered. This is where disability insurance comes in. Whether you offer a comprehensive benefits package or a smaller one, it is an important thing to consider. When a company provides short-term disability benefits, the employee gets six months of coverage. Long-term disability benefits cover the employee for the duration of their disability or until they hit retirement age. Options for Who Pays for Disability Benefits As an employer, you can choose from the following Pay for short-term disability and long-term disability coveragePut the burden of paying disability on the employeeShare the cost of coverage More and mora employers are choosing to share the cost of coverage or have employees pay the cost of dis ability insurance due, in part, to recent IRS regulations that make it easier to do so. No perfect choice exists for any company. Below are some options in more detail. Offer both an employer-paid plan and an employee-paid disability plan. Companies often refer to this as tax choice. Other companies do not give employees the choice and end up choosing the plan they hope will best fit their employees. Choose to pay the premiums. This helps employees avoid the costs of disability premiums. But, should any employee go out on disability, they become responsible for taxes on any income they receive. When employees pay the cost of their own disability premiums through payroll deductions, the disability benefits they receive are not taxed if they subsequently become disabled. How Your Employees Taxes Will Be Affected Choosing the right insurance for your employees is one thing, but each of your options has different effects on your taxes you should also take into consideration. If yo u choose to pay the premium, your employees wont be taxed. They wont be taxed under IRS Code Section 106. However, under IRS Code Section 125, if you choose to shift the cost to employees, they pay the premium on a pre-tax basis through payroll deductions. In turn, employees would be able to collect disability tax-free if they qualified for disability. Provide employees with the opportunity to make after-tax contributions. This way, they can receive their disability benefits on a tax-free basis, but they would need to amend their Section 125 cafeteria plan and inform employees. Taxes on Disability Income vs. Premium Costs While most employees would prefer to have their employer pay the premium costs that may not be the case should they go out on disability. Premium costs are minimal but when you compare that to the costs of taxes on disability income, its something any employee would likely be glad to pay, as illustrated by the example below. An Employer Paid vs. Employee Paid E xample Lets take this situation assuming an employee makes $50,000 a year. They fall in a 30 percent tax bracket and have disability coverage paying 60 percent of their salary with a premium equal to 28 cents for every $100 of employee income. Pre-Disability Income $50,000Taxes on Income $15,000 (Federal, State, FICA 30 percent in taxes)Net Pay $35,000 per year (70 percent net pay) Employer-Paid Disability Benefit (60 percent) $30,000 per yearTaxes $9,000Net Benefit if Taxed $21,000 (60 percent of former take-home pay) Employee-Paid Disability Benefit (60 percent) $30,000 per year After-TaxPremium at $50,000 $140 per year ($50,000 x 0.28/$100)Net Benefit if Not Taxed $21,000 (60 percent of former take-home pay) In this example, you can see the savings an individual who goes out on disability would have if they pay their premium costs and all taxes on it. Of course, for those who dont go on disability, they would shell out $140 extra a year in this particular example, if they did no t go on disability. This is why many companies give employees the choice of how they would like to pay premiums.