8 years ago, my former employer had a standing policy of not giving benefits until the employee reaches 1 year. I stated I would not sign on to work for them unless I was given benefits. They verbally agreed but never put it in writing. 7 months on the job and I was in a car accident on way to work. My compnany stated they never verbally agreed to giving me benefits, and since I did not have insurance, I had to pay $46,000 out of my own pocket. The last eight years have been a nightmare.