Open-enrollment season is here — and it’s not just about health insurance. You also need to think about what kind of life and disability benefits your employer offers.
Unlike health coverage, these other insurance benefits are almost always provided free to the employee, which makes them practically a no-lose perk — and one you may not even have to register to get. If there’s any downside to these coverages, experts say, it’s that they may make workers complacent about their long-term insurance needs, and so risk being underinsured.
Here’s a plan to fight complacency, while it’s still easy to adjust your coverage — with many employers’ open-enrollment periods running through mid-December. Follow these three steps to establish what, if any, coverage you get from work, assess whether it’s enough, and take action if it isn’t up to the mark.
 
 
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