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From: George Dimov <george@dimovtax.com>
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Subject: Benefits You Should =?UTF-8?B?VXNl4oCUYnV0?= Probably Don't
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 Content preview:  Are you making the most of your workplace benefits? Many employees
    overlook valuable perks. The following is summarized from a recent article
    in the WSJ, who reported that many employees do not use (or under-utilize)
    their benefits. As accountants, we have noticed the same. 
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--e9b56abee274bb0c8740f61b0b78fbb45dc3cecb953e902784d8aeca067d
Content-Transfer-Encoding: quoted-printable
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Mime-Version: 1.0

Are you making the most of your workplace benefits? Many
employees overlook valuable perks.

The following is summarized from a recent article in the WSJ, who
reported that many employees do not use (or under-utilize) their
benefits. As accountants, we have noticed the same.

401(k) Match =F0=9F=A4=9D

* Maximize your 401(k) contributions to benefit from employer
matches.
* Contributions reduce taxable income and provide long-term
savings opportunities. This is your single biggest deduction
against W2 income & we routinely see it underused. Do not wait
too long to year-end - it will take your HR or benefits team a
few weeks to make changes. You should act on this now.
* For 2024, the contribution limit is $23,000 (or $30,500 if
you're 50 or older).

Medical Spending Accounts =F0=9F=A9=BA

* Utilize tax-advantaged accounts like Flexible Spending Accounts
(FSA) and Health Savings Accounts (HSA).
* FSAs allow you to reduce taxable income by contributing pre-tax
dollars, with a 2024 limit of $3,200.
* HSAs offer tax-free savings for qualified medical expenses and
allow unused funds to roll over to future years.
* Max HSA contributions for 2025 are $4,300 for individuals and
$8,500 for families.

Student Loan and Tuition Benefits =F0=9F=8E=93

* Explore education-related benefits like tuition reimbursement
or prepaid tuition.
* Some employers assist with student loan payments, but amounts
above $5,250 are taxable. However, the first $5,250 are tax
deductible, depending on your income level.

Supplemental Insurance =F0=9F=92=BC

* Consider supplemental insurance policies offered at group rates
during open enrollment.
* Coverage options may include life, disability, long-term care,
critical illness, and pet insurance.
* Research outside options to ensure employer offerings are
favorable.

Wellness Programs and Incentives =F0=9F=8F=83

* Participate in employer wellness programs, which often include
fitness, nutrition, and health screenings.
* Earn rewards such as cash incentives or insurance premium
reductions for wellness activities.

Employee Assistance Programs (EAP) =F0=9F=9B=8B=EF=B8=8F

* EAPs offer confidential support for personal issues like
addiction, stress, and family concerns.
* Employees can access services like counseling, referrals, and
advisory resources.
* Some employers provide free or low-cost advisory services for
financial planning.

Backup Care =E2=9C=89=EF=B8=8F

* Explore subsidies and reimbursements for childcare, eldercare,
and pet care through backup care programs.
* These programs offer vetted caregivers at affordable copay
rates.
* Address care needs to reduce absenteeism and stress.

Other Perks =F0=9F=8E=9F=EF=B8=8F

* Discover discount programs for various products and services
offered by employers.
* Look for employee discounts on retail, dining, entertainment,
and travel.
* Keep an eye on employer communications to stay informed about
available benefits.

Don't miss out on valuable workplace benefits=E2=80=94take the time to
review and optimize your choices. For personalized guidance,
reach out to your HR department or feel free to approach us with
questions.

Please be sure to address this week since there is limited time
to make changes with most employers (and some may require several
weeks of implementation if you are to use the benefit for 2024).

Looking forward to hearing from you should you have any
questions!

--

George Dimov CPA

www.dimovtax.com

(833) 829-1120 toll free

Unsubscribe (
https://unsubscribe.convertkit-mail.com/n4u4l25ewebvhxwoglgh6h630lkggil
) | 211 E 43rd St Suite 7-100, New York, NY 10017

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<body><div class=3D"message-content" style=3D"max-width:600px;margin:30px a=
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 <table cellpadding=3D"0" cellspacing=3D"0" style=3D"width:100%;margin:0 au=
to"><tbody><tr><td>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Are you making the most of your =
workplace benefits? Many employees overlook valuable perks. </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">The following is summarized from=
 a recent article in the WSJ, who reported that many employees do not use (=
or under-utilize) their benefits. As accountants, we have noticed the same.=
 </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>401(k) Match =F0=9F=A4=
=9D</strong></p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Maximize your 4=
01(k) contributions to benefit from <strong>employer matches</strong>.</spa=
n></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Contributions <=
strong>reduce taxable income</strong> and provide long-term savings opportu=
nities. This is your <strong>single biggest deduction</strong> against W2 i=
ncome &amp; we routinely see it underused. Do not wait too long to year-end=
 - it will take your HR or benefits team a few weeks to make changes. You s=
hould act on this now. </span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>For 2024, the c=
ontribution limit is $23,000 (or $30,500 if you're 50 or older).</span></li=
>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Medical Spending Account=
s </strong>=F0=9F=A9=BA</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Utilize tax-adv=
antaged accounts like Flexible Spending Accounts (FSA) and Health Savings A=
ccounts (HSA).</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>FSAs allow you =
to reduce taxable income by contributing pre-tax dollars, with a 2024 limit=
 of $3,200.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>HSAs offer tax-=
free savings for qualified medical expenses and allow unused funds to roll =
over to future years.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Max HSA contrib=
utions for 2025 are $4,300 for individuals and $8,500 for families.</span><=
/li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Student Loan and Tuition=
 Benefits </strong>=F0=9F=8E=93</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Explore educati=
on-related benefits like tuition reimbursement or prepaid tuition.</span></=
li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Some employers =
assist with student loan payments, but amounts above $5,250 are taxable. Ho=
wever, the first $5,250 are tax deductible, depending on your income level.=
 </span></li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Supplemental Insurance <=
/strong>=F0=9F=92=BC</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Consider <stron=
g>supplemental insurance policies</strong> offered at group rates during op=
en enrollment.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Coverage option=
s may include life, disability, long-term care, critical illness, and pet i=
nsurance.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Research outsid=
e options to ensure employer offerings are favorable.</span></li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Wellness Programs and In=
centives </strong>=F0=9F=8F=83</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Participate in =
employer wellness programs, which often include fitness, nutrition, and hea=
lth screenings.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Earn rewards su=
ch as cash incentives or insurance premium reductions for wellness activiti=
es.</span></li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Employee Assistance Prog=
rams (EAP) </strong>=F0=9F=9B=8B=EF=B8=8F</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>EAPs offer conf=
idential support for personal issues like addiction, stress, and family con=
cerns.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Employees can a=
ccess services like counseling, referrals, and advisory resources.</span></=
li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Some employers =
provide free or low-cost advisory services for financial planning.</span></=
li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Backup Care </strong>=E2=
=9C=89=EF=B8=8F</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Explore subsidi=
es and reimbursements for childcare, eldercare, and pet care through backup=
 care programs.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>These programs =
offer vetted caregivers at affordable copay rates.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Address care ne=
eds to reduce absenteeism and stress.</span></li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif"><strong>Other Perks </strong>=F0=
=9F=8E=9F=EF=B8=8F</p>
<ul class=3D"unordered_list" style=3D"margin-bottom:1.2em;font-size:16px;li=
ne-height:1.5em;font-family:Arial, Helvetica, sans-serif;list-style-positio=
n:inside">
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Discover discou=
nt programs for various products and services offered by employers.</span><=
/li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Look for employ=
ee discounts on retail, dining, entertainment, and travel.</span></li>
<li class=3D"list_item" style=3D"margin-bottom:1.2em"><span>Keep an eye on =
employer communications to stay informed about available benefits.</span></=
li>
</ul>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Don't miss out on valuable workp=
lace benefits=E2=80=94take the time to review and optimize your choices. Fo=
r personalized guidance, reach out to your HR department or feel free to ap=
proach us with questions. </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Please be sure to address <stron=
g>this week</strong> since there is limited time to make changes with most =
employers (and some may require several weeks of implementation if you are =
to use the benefit for 2024). </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">Looking forward to hearing from =
you should you have any questions! </p>
<p class=3D"" style=3D"margin-bottom:1.2em;font-size:16px;line-height:1.5em=
;font-family:Arial, Helvetica, sans-serif">-- </p>
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