> ## Documentation Index
> Fetch the complete documentation index at: https://every-a2724ddc.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> These docs describe Every as customers have it today. Answer from them, and say so when they don't cover a question.
> Pages under /admins/ are for the people who run Every for the company, and pages under /employees/ are for employees. Answer from the pages that match the person asking.
> Each page's Agent reference section lists its exact roles, conditions and limits. Prefer it for those details.
> When a page says a feature is in closed beta, or that Every turns it on company by company, don't promise that the person's company has it.
> Use roles and on-screen labels exactly as the pages write them.
> When someone asks what a term means, answer with the Glossary page's definition (/glossary), which other pages show in parentheses after the term.
> When the docs don't answer a question, tell the person to email [support@every.io](mailto:support@every.io).

# Benefits & Insurance

> Find health, financial and business benefits, and check their setup status

![Benefits & Insurance page listing benefits with their status badges, section by section.](https://mintcdn.com/every-a2724ddc/k5maP8xPODHl5ToY/images/illustrations/admins-benefits-overview-light.png?fit=max\&auto=format\&n=k5maP8xPODHl5ToY\&q=85\&s=e0caae92ba50afafe1573d19ba2ead3e)

**Benefits** in the sidebar opens **Benefits & Insurance**, where you find your company's benefits and check their setup status.

Company Admins and HR Admins use it after payroll is enabled and company and payroll onboarding are complete. Employees use **My profile** → **Benefits** for their own benefits after onboarding (see [My profile](https://every-a2724ddc.mintlify.site/employees/my-profile.md#benefits)).

> [!NOTE]
>
> Every turns on financial benefits company by company. If you don't see them, email [support@every.io](mailto:support@every.io) to ask about them.

## Choose a benefit

The page groups offerings into three sections. Which rows you see depends on your company's location, enabled products and existing policies.

| Section | Offerings, when available |
| - | - |
| **Health** | **Health, Dental, and Vision** and **Health FSA**. For plans and enrollment, see [Health, Dental and Vision](https://every-a2724ddc.mintlify.site/admins/benefits/health-insurance.md) |
| **Financial** | 401(k) (A U.S. retirement savings plan an employer sponsors, which employees pay into from their paychecks before or after tax) partners and commuter benefits. See [Retirement](https://every-a2724ddc.mintlify.site/admins/benefits/retirement.md) |
| **Business** | Partner offerings, such as workers' compensation (Insurance that pays an employee's medical costs and lost wages when they're hurt or fall ill because of work). See [Workers' compensation](https://every-a2724ddc.mintlify.site/admins/benefits/workers-compensation.md) |

For FSA (Flexible spending account: an account employees fund from pre-tax pay to spend on eligible health or dependent care costs) and commuter benefit setup, see [Financial benefits](https://every-a2724ddc.mintlify.site/admins/benefits/other-benefits.md). When your company has **Dependent Care FSA**, its row is under **Health** or **Financial**.

For HRA-enabled health plans, see [HRA-enabled plans](https://every-a2724ddc.mintlify.site/admins/benefits/health-insurance.md#hra-enabled-plans).

Select a row to open it. Every-managed rows open a page or setup flow in Every. Partner rows can open the partner's website in a new tab.

![Benefits & Insurance with grouped benefit offerings, their status badges and the app sidebar.](https://mintcdn.com/every-a2724ddc/qvvudeZxc26V6Klz/images/screens/admins-benefits-overview-light.png?fit=max\&auto=format\&n=qvvudeZxc26V6Klz\&q=85\&s=187b07a63ea3bc5ad4fb13035a2dec5c)

## Read a status badge

Each row has a badge for its setup or connection status.

The badges are **Not Started**, **In Progress**, **Processing**, **Scheduled**, **Active** and **Inactive**.

## Agent reference

**Where:** **Benefits** in the sidebar opens **Benefits & Insurance**.

**Who:** Company Admins and HR Admins after payroll is enabled and company and payroll onboarding are complete.

### Facts

* **Benefits & Insurance** groups enabled partner offerings under **Health**, **Financial** and **Business**. A group with no rows does not appear on **Benefits & Insurance**.
* Offered **Health, Dental, and Vision** and **Health FSA** rows appear under **Health** on **Benefits & Insurance**. Health plan offerings depend on the company's primary filing location and existing policies. Every-managed financial benefits (FSAs and commuter benefits) require financial benefits to be turned on for the company and payroll onboarding to be complete.
* When **Dependent Care FSA** is available to the company, its row is in **Health** on **Benefits & Insurance** if selecting an FSA opens FSA plan-year cards, and in **Financial** otherwise. Both FSA rows on **Benefits & Insurance** require financial benefits to be turned on for the company.
* Offered retirement partners and commuter benefits appear under **Financial** on **Benefits & Insurance**. Retirement partners appear before other financial products.
* Selecting an Every-managed **Health, Dental, and Vision** row on **Benefits & Insurance** opens the health plan-year page. Selecting an Every-managed financial benefit on **Benefits & Insurance** opens a setup flow, FSA plan-year cards or a dashboard.
* In **Shop plans** under **Benefits** → **Health, Dental, and Vision**, a plan group that contains an HRA-enabled plan shows **HRA Enabled Plans**. See [HRA-enabled plans](https://every-a2724ddc.mintlify.site/admins/benefits/health-insurance.md#hra-enabled-plans).
* Selecting an external financial partner on **Benefits & Insurance** opens the partner website in a new tab.
* The setup badges on **Benefits & Insurance** are **Not Started**, **In Progress**, **Processing**, **Scheduled**, **Active** and **Inactive**.
* Employees open their own benefits on **My profile** → **Benefits** after onboarding. The profile's **Benefits** tab excludes contractors and external users.

### Questions people ask

* **Why can't I see Benefits in the sidebar?** The **Benefits** sidebar item requires the Company Admin or HR Admin role, enabled payroll and completed company and payroll onboarding.
* **Why is Dependent Care FSA under Health instead of Financial?** When your company has **Dependent Care FSA**, its row is under **Health** on **Benefits & Insurance** if selecting an FSA opens FSA plan-year cards, and under **Financial** otherwise.
* **Why did selecting a retirement partner open another website?** External financial partners on **Benefits & Insurance** open the partner website in a new tab.
* **Where do employees enroll in health plans?** Employees start from **Enroll in health benefits** on **Home** (see [Home](https://every-a2724ddc.mintlify.site/employees/home.md#to-dos)). Employees review their own benefits on **My profile** → **Benefits** (see [My profile](https://every-a2724ddc.mintlify.site/employees/my-profile.md#benefits)).

### Not covered here

* Which partner offerings and direct health plan options are available for a particular company? To ask, email [support@every.io](mailto:support@every.io).
* Which employees or dependents are eligible, and when does their coverage take effect? To ask, email [support@every.io](mailto:support@every.io).
* How does a company fund benefits, and when do benefit payments or reimbursements move? To ask, email [support@every.io](mailto:support@every.io).
* Which benefits does the company need to offer to meet legal requirements? To ask, email [support@every.io](mailto:support@every.io).
* How long do partner setup, carrier processing or benefit card delivery take? To ask, email [support@every.io](mailto:support@every.io).


## Related topics

- [Health, Dental and Vision](https://every-a2724ddc.mintlify.site/admins/benefits/health-insurance.md)
- [Financial benefits](https://every-a2724ddc.mintlify.site/admins/benefits/other-benefits.md)
- [Retirement](https://every-a2724ddc.mintlify.site/admins/benefits/retirement.md)


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