Mona Zilke

speaker

101 appearances 2 recordings 1 series first heard Oct 2019 last heard Oct 2020

Mona Zilke’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Open Enrollment: Avoiding Errors When Choosing Benefits · 25 Oct 2019 podcast

And the average consumer spends 17 minutes doing their benefit elections where they spend 18 minutes choosing a show to watch on Netflix.

So it's really important to think about the past and what benefits you've had in the prior year, but then also thinking about the benefits for the future year.

Just selecting two supplemental health benefits can really help and make a difference in your financial wellness now and in the future.

That is for sure.

Normally, if you're not waiting until the very last minute, you have those few weeks that the benefit selections are open to go back and make changes.

And so it's important to think about research and speaking with your family before the benefit election closes on that last day.

Your employer should have an online forum where you can go and research all of the products that they're offering.

And a lot of times they'll actually have a calculator online to help you choose what plans are best for you.

And that happens a lot on the medical side when there's options between a regular health plan and

and a high deductible health plan.

And then that also then sets you up to know if an HSA will be helpful for you.

And that's the health savings account.

They're products such as disability, which replaces a portion of your paycheck when you can't work because of sickness or injury.

There's an accident product that covers living expenses, such as utilities, even dog walking, and of course, out-of-pocket health care.

Then also hospital indemnity.

If you're having a hospital and stay, a lot of women that are getting ready to have a baby would select this benefit to help with that.

And then lastly, just critical illness.

This will cover medical bills for things like heart attacks, stroke, and cancer.

We know that one in three hardship redrawals from retirement accounts are from unexpected medical costs.

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