Your mid-year benefits check: How to make the most of your employee perks

We’re halfway through the year—have you checked in on your employee benefits? If you’re like many employees, you might only think about benefits during open enrollment. But taking a mid-year look at your benefits can help you maximize your options, adjust to any life changes, and plan ahead. Here’s why this check-in is important and how you can make the most of it.

Why a mid-year benefits check matters for you

1. Life changes might mean adjustments
Have you gotten married, had a child, or experienced a change in your spouse’s job? These life events may mean you may be eligible to adjust your benefits to make sure you have the right coverage for your evolving needs.

2. Make the most of your health savings and spending accounts
If you have a health savings account (HSA) or flexible spending account (FSA), now’s a great time to check your balance and spending. Are you on track with your contributions? Depending on your plan and circumstances, you may be able  to adjust them to cover upcoming healthcare costs or take advantage of any available tax benefits?

3. Take advantage of wellness and preventative care
Many benefits plans include wellness programs, preventive screenings, and mental health resources—but are you using them? A mid-year review is a great time to schedule annual check-ups and see if you qualify for any wellness incentives.

4. Avoid last-minute stress
Waiting until the end of the year to use benefits can lead to rushed decisions or missed opportunities. Checking in now ensures you’re making the most of your benefits without the year-end scramble.

Steps to take for a mid-year benefits check

1. Review your current benefits – Look at your health, dental, vision, and life insurance to make sure they still meet your needs.
2. Check your HSA and FSA balances – See how much you’ve used and whether you need to adjust your contributions.
3. Explore additional benefits – Are there voluntary benefits like disability insurance, tuition assistance, or wellness perks you’re not using?
4. Plan for open enrollment – Identifying any changes you might want to make now can help you make better decisions when enrollment season arrives.

Take charge of your benefits

Your employee benefits are there to support your health, financial security, and overall well-being—but only if you take advantage of them. A mid-year review gives you the chance to ensure you’re making the most of what’s available, avoiding missed opportunities, and setting yourself up for success.

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The information in this blog post is for educational purposes only. It is not legal, tax or investment advice. For legal, tax or investment advice, you should consult your own legal counsel, tax and investment advisers. 

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