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benefits-decoder

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把雇佣福利包解读成它真正的价值，找出细则里咬人的地方。当有人问'这个offer好吗'、'帮我解读福利包'、'我的股权到底意味着什么'或'签字前该问HR什么'时使用。产出逐项福利解读与真实金额、分级警示信号（归属悬崖、追回条款、'酌情'奖金、无限假期的经济学），以及签字前要问HR的问题。

skills-i18n/zh/benefits-decoder/SKILL.md

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> [benefits-decoder](../../../skills/benefits-decoder/SKILL.md) 的简体中文翻译 — 英文版本为规范版本。

# 福利解读技能

"总薪酬"演示文稿是营销材料。这个技能像一位吃过亏的朋友那样读计划条款：每项福利真正值多少钱、哪些承诺留了后门、签字前该把什么落到书面上。

## 这个技能产出什么

- 逐项福利解读，可计算处给出真实年化价值
- 分级警示信号：归属悬崖、追回条款、满篇"酌情"、保障缺口
- 401k/养老金匹配的账和股权的账，算式摆在明面
- 签字前要问HR的问题——以及哪些答案要拿到书面确认

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