Workplace Benefits
The money on the table beyond your salary
Reading an open-enrollment packet, the life and disability coverage people overlook, ESPP and equity, and the pre-tax accounts and perks that add up.
4 lessons · about 26 minutes total · 100% free
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1. Decoding your benefits package
A benefits packet is real money, often a fifth of salary again. Sort it into five buckets, see who pays, and find the $10,750 hiding in a $55,000 offer.
6 min read
2. Group life and disability coverage
Group life and disability are the cheapest benefits you'll skim past. See how basic and supplemental life work, why disability protects your paycheck, and what $100,000 of coverage costs.
6 min read
3. ESPP and equity benefits
An ESPP buys company stock at a discount; RSUs and options vest over years. See the 17.6% built-in gain, the $25,000 cap, and why too much employer stock is risky.
7 min read
4. Pre-tax accounts and perks
Claim the payroll perks most people skip: health and dependent-care FSAs, commuter benefits, tuition help and the EAP, and see how much tax each saves you for 2025.
7 min read