Buckey advised against is taking your benefits questions to your friends, family or co-workers or looking for specific answers online.
EAPs generally offer a set number of free counselling sessions to employees, Buckey said. The number differs by employer, but usually ranges between three and 10 per year, she added. In addition, some employers offer that set number of free sessions on a per-issue basis, meaning that if you have completed all of your sessions for one problem, you could start over with another one.
Don't leave money on the table especially if you can afford it — at least contribute the company match.While HSAs are for health-care costs, FSAs can generally be used on a wider range of expense such as childcare or even adult daycare, said Nancy DeRusso, senior vice president and head of coaching at Ayco, a financial counseling company.
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