Resources
Short, correct explainers on the mechanics of benefits guides: the details that make employees trust the document or flood HR with questions. No advice about which plans anyone should pick; that's between you and your broker.
How to make an employee benefits guide (and what to put in it)
A practical walkthrough of building an open-enrollment guide: the sections in the right order, where the data comes from, and the mistakes that generate the most employee questions.
What goes in a benefits guide: the full section checklist
Every section a complete open-enrollment guide needs, with what belongs in each and which details are commonly forgotten.
Embedded vs. non-embedded deductibles, in plain English
What embedded and non-embedded family deductibles mean on an HDHP, why the difference matters to a family with one sick member, and how to print it correctly in a benefits guide.
Two-, three-, and four-tier rate structures explained
What coverage tiers are, how 2-tier, 3-tier, and 4-tier rate structures differ, and how to present each correctly in the contributions table of a benefits guide.
What belongs on the qualifying life events page
The standard QLE list, the 30/31/60-day reporting windows, and the wording that prevents mid-year surprises for employees.
The three FSA types, compared without the jargon
Health care FSA, limited-purpose FSA, and dependent care FSA: what each covers, the current limits, and how HDHP/HSA eligibility changes the picture.
Per-pay-period math: converting monthly premiums correctly
How to convert monthly benefit premiums to weekly, biweekly, and semimonthly paycheck deductions, and the biweekly-vs-semimonthly mistake that spawns payroll tickets.