open enrollment
Health Insurance
Health insurance plans include HDHPs paired with HSAs, PPOs, HMOs and FSAs, usually paid with pre-tax dollars, plus Marketplace coverage and Medicare paid with after-tax dollars.
Disability Insurance
Short-term disability usually covers 3 to 6 months at 70-80% of base salary; long-term disability starts when it ends and usually covers 40-70% of base salary.
Life Insurance
Employer group life insurance often defaults to $50,000 or 1x salary and ends with employment; term life insurance is an affordable outside option for a set period.
Retirement Accounts
Employer plans such as 401(k)s, 403(b)s, SIMPLE IRAs and Thrift Savings Plans let you save automatically from each paycheck, pre-tax or Roth, often with an employer match.
Annual Benefits Review Checklist
Review health, disability, life insurance and retirement benefits each open enrollment so they match your goals and coverage needs.
Medicare Open Enrollment
Medicare Open Enrollment begins October 15. Use our flowchart to decide whether this is the year to change your Medicare coverage.
Free PDF download