Before making a move, calculate your “benefit pay.” Examples: How much more or less will your contribution to group health insurance cost, and what is the quality of the new health plan? How long must you wait before you can resume making 401(k) contributions? How much more or less paid vacation will you get?
If you’re seriously weighing a job offer, ask if you can meet with a to hash out the details. Take notes and request written confirmation of any promises regarding stock options and other benefits. Ask about vesting periods before you could participate in a retirement plan or qualify for insurance. Negotiate more generous benefits so that you don’t have to take a step down from the perks you already enjoy.