Benefits checkup

If your employer matches contributions and you’re not contributing enough to get the full match, that’s essentially part of your compensation you’re not collecting.

It’s worth checking once a year whether your plan still fits how you actually use healthcare. A high-deductible plan with an HSA might save you money — or it might not. Depends on your situation.

If you’re on a high-deductible health plan, an HSA is one of the most tax-advantaged accounts available — contributions, growth, and qualified withdrawals are all tax-free. Some employers contribute to it, too.

A use-it-or-lose-it account for medical or dependent care expenses. If you have predictable costs — prescriptions, glasses, daycare — this can save you real money in taxes.

Most employers offer a basic policy at no cost (often 1–2x your salary). You might also have the option to buy more at a group rate, which is usually cheaper than buying it on your own.

Short-term and long-term disability protect your income if you can’t work. A lot of people don’t realize they have it — or what it actually covers.

Free, confidential sessions — usually for counseling, legal questions, or financial guidance. Most people who have an EAP don’t know it exists.

Most plans cover preventive visits — cleanings, eye exams — at 100%. If you’re not using them, you’re paying for coverage and not getting the value.

Some employers will pay for courses, certifications, or degree programs. The amounts vary, but it’s worth checking — it’s one of the more underused benefits.

Pre-tax dollars for transit passes or parking. Small monthly savings, but it adds up over a year.