It’s open enrollment season - that time of year when employers ask you to review and select your benefits for the upcoming year. While it’s tempting to simply re-enroll in what’s familiar or convenient, this is actually a great opportunity to take a step back and ask: Are my employer-provided benefits truly aligned with my financial goals and personal protection strategy?
Here’s what I often see:
Many employer plans offer basic life insurance, disability coverage, and other benefits that seem “good enough” on the surface. But these options can sometimes limit your flexibility or prevent you from exploring better alternatives outside the workplace, especially as you get older or your financial picture becomes more complex.
For example:
- Group life insurance may not be portable if you leave your job, and often lacks the customization or long-term value of individually-owned policies.
- Disability insurance through work may have caps or definitions that don’t fully protect your income.
- Health savings accounts (HSAs) and other tax-advantaged tools can be powerful - but only if used strategically.
If you’d like to schedule a quick call or send over your benefits summary, I’ll take a look and let you know where things are strong and where there may be room for improvement.
Let’s make sure your benefits are working as hard as you are!