Welcome to BENEFITchoice

Employee Benefits Assessment Tool

Learn About Your Benefits

BENEFITchoice is an employee benefits assessment tool that helps you prioritize and evaluate non-medical plan voluntary and supplemental benefits available through your employer. It only takes a few minutes. Simply answer the questions proposed and the tool will provide personalized benefits recommendations along with links to product information and videos.

Our benefits decision support tool educates your employees on their options and guides them to supplemental benefits that are the best fit for them and their families

Your Eligible Benefits Plans

Click on the categories tab below to filter eligible benefits.

Input is required.
fianancial wellness
401K/403B

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How to Choose 401K/403B
The Value of 401K/403B

No better way to save for retirement. Put away as much as you can and take full advantage of employer matches or contributions.

health and wellness
Critical Illness

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How to Choose Critical Illness
The Value of Critical Illness

Helps those diagnosed with a qualifying critical illness avoid financial hardship. Policies typically include coverage for cancer, a severe heart condition, a stroke, Alzheimer’s disease, and other critical conditions. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation, lodging or lost wages.

health and wellness
Dental Insurance

Watch this

How to Choose Dental Insurance
The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

health and wellness
EAP

Watch this

How to Choose EAP
The Value of EAP

An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems. EAPs address a broad and complex body of issues affecting mental and emotional well-being, such as alcohol and other substance abuse, stress, grief, family problems, and psychological disorders.

health and wellness
Flexible Spending Account (FSA)

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How to Choose Flexible Spending Account (FSA)
The Value of Flexible Spending Account (FSA)

Tax-friendly accounts to save for medical, dental, vision and other qualified expenses. FSA dollars do not accumulate year over year. You can roll over and invest your HSA funds and save for future needs. You cannot contribute to both an HSA and a medical FSA (except a limited purpose FSA) in the same tax year.

health and wellness
Hospital Indemnity Plans

Watch this

How to Choose Hospital Indemnity Plans
The Value of Hospital Indemnity Plans

Pays a fixed dollar benefit to help offset non-covered expenses in the event of a hospitalization. Consider spending some of your HDHP premium savings (versus a higher-premium plan) on an indemnity policy to offset an unplanned medical needs. Policies differ and a few will make an HSA ineligible, so look at the fine print.

health and wellness
HSA

Watch this

How to Choose HSA
The Value of HSA

A Health Savings Account (HSA) is like a personal savings account, but it can only be used for qualified healthcare expenses. To be eligible, you must be enrolled in a High-Deductible Health Plan (HDHP). Health Savings Accounts also have some important tax advantages.

fianancial wellness
Long-Term Disability

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How to Choose Long-Term Disability
The Value of Long-Term Disability

Provides partial income protection for long-term medical conditions. A must if you can’t work due to a medical issue. Policies generally provide some income starting 3 to 6 months from the conditions onset to retirement age.

fianancial wellness
Short-Term Disability

Watch this

How to Choose Short-Term Disability
The Value of Short-Term Disability

Provides partial income continuation (usually +/- 60% of monthly income) for periods beyond what PTO covers and before your long-term disability kicks in (usually 90-180 days). A big help if you’ll be out of work for a while but are planning to return.

health and wellness
Vision Insurance

Watch this

How to Choose Vision Insurance
The Value of Vision Insurance

If you need glasses, contacts or other vision correction, a vision plan can significantly offset your costs. Make sure your preferred opticians and brands are in the network to get full benefit of the coverage. Often covers most of the cost of an annual routine eye exam.

health and wellness
Voluntary Accident

Watch this

How to Choose Voluntary Accident
The Value of Voluntary Accident

Provides funds to pay for out-of-pocket and other expenses following an accident or injury. It fills your health insurance “gaps” and provides peace of mind when an unexpected accident leads to financial pressure. Check the policy for the specific list of accidents covered.

fianancial wellness
Voluntary Life and AD&D

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How to Choose Voluntary Life and AD&D
The Value of Voluntary Life and AD&D

How much is enough? Most think about the number of years of salary you’d want to leave behind to beneficiaries. One common rule of thumb is that household leaders should carry 7-10 times their annual compensation in life insurance death benefit.

No Plans with Employer Contribution
Critical Illness

Watch this

How to Choose Critical Illness
The Value of Critical Illness

Helps those diagnosed with a qualifying critical illness avoid financial hardship. Policies typically include coverage for cancer, a severe heart condition, a stroke, Alzheimer’s disease, and other critical conditions. These policies typically help with out-of-pocket medical expenses as well as indirect costs, like transportation, lodging or lost wages.

Dental Insurance

Watch this

How to Choose Dental Insurance
The Value of Dental Insurance

If you typically need just checkups and an occasional filling, look at a preventative- services only plan. If you occasionally require more significant dental work, look for a plan that covers fillings, crowns, and other major services (which are typically covered at 50%)

EAP

Watch this

How to Choose EAP
The Value of EAP

An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems. EAPs address a broad and complex body of issues affecting mental and emotional well-being, such as alcohol and other substance abuse, stress, grief, family problems, and psychological disorders.

Flexible Spending Account (FSA)

Watch this

How to Choose Flexible Spending Account (FSA)
The Value of Flexible Spending Account (FSA)

Tax-friendly accounts to save for medical, dental, vision and other qualified expenses. FSA dollars do not accumulate year over year. You can roll over and invest your HSA funds and save for future needs. You cannot contribute to both an HSA and a medical FSA (except a limited purpose FSA) in the same tax year.

Hospital Indemnity Plans

Watch this

How to Choose Hospital Indemnity Plans
The Value of Hospital Indemnity Plans

Pays a fixed dollar benefit to help offset non-covered expenses in the event of a hospitalization. Consider spending some of your HDHP premium savings (versus a higher-premium plan) on an indemnity policy to offset an unplanned medical needs. Policies differ and a few will make an HSA ineligible, so look at the fine print.

HSA

Watch this

How to Choose HSA
The Value of HSA

A Health Savings Account (HSA) is like a personal savings account, but it can only be used for qualified healthcare expenses. To be eligible, you must be enrolled in a High-Deductible Health Plan (HDHP). Health Savings Accounts also have some important tax advantages.

Vision Insurance

Watch this

How to Choose Vision Insurance
The Value of Vision Insurance

If you need glasses, contacts or other vision correction, a vision plan can significantly offset your costs. Make sure your preferred opticians and brands are in the network to get full benefit of the coverage. Often covers most of the cost of an annual routine eye exam.

Voluntary Accident

Watch this

How to Choose Voluntary Accident
The Value of Voluntary Accident

Provides funds to pay for out-of-pocket and other expenses following an accident or injury. It fills your health insurance “gaps” and provides peace of mind when an unexpected accident leads to financial pressure. Check the policy for the specific list of accidents covered.

401K/403B

Watch this

How to Choose 401K/403B
The Value of 401K/403B

No better way to save for retirement. Put away as much as you can and take full advantage of employer matches or contributions.

Long-Term Disability

Watch this

How to Choose Long-Term Disability
The Value of Long-Term Disability

Provides partial income protection for long-term medical conditions. A must if you can’t work due to a medical issue. Policies generally provide some income starting 3 to 6 months from the conditions onset to retirement age.

Short-Term Disability

Watch this

How to Choose Short-Term Disability
The Value of Short-Term Disability

Provides partial income continuation (usually +/- 60% of monthly income) for periods beyond what PTO covers and before your long-term disability kicks in (usually 90-180 days). A big help if you’ll be out of work for a while but are planning to return.

Voluntary Life and AD&D

Watch this

How to Choose Voluntary Life and AD&D
The Value of Voluntary Life and AD&D

How much is enough? Most think about the number of years of salary you’d want to leave behind to beneficiaries. One common rule of thumb is that household leaders should carry 7-10 times their annual compensation in life insurance death benefit.