Benefit Elections
This area focuses on making informed benefit elections, including how to evaluate FSAs, HSAs, and disability insurance to balance tax savings, coverage, and financial protection.
Topics
ou’re more likely to need disability insurance than life insurance, yet many overlook coverage that protects their income. This video explains the risk, compares short- and long-term disability, waiting periods, tax treatment, and own- vs. any-occupation definitions—ending with a checklist for open enrollment and when private coverage makes sense.
Cut healthcare costs with a 2025 Flexible Spending Account. This video explains how FSAs work, 2025 limits, carryover vs. grace period, tax savings, eligible expenses, and the use-it-or-lose-it rule—so you can set your election correctly and avoid forfeiting money.
If your employer offers an HSA and you’re not using it, you’re leaving money behind. This video covers 2025 eligibility and limits, the triple tax advantage, investing for long-term tax-free growth, the save-your-receipts strategy, retirement rules, and why HSAs can be more powerful than an IRA.