Austin Benefits Audit Private benefits reviews for Austin professionals
Interactive checklist

10-Minute Employer Benefits Audit Checklist

Use this private, plain-English checklist to review potential gaps in disability income, life, and health coverage before you need to rely on them.

Income exposureBase pay, bonus, commission, RSUs, consulting income, and household expenses.
Disability incomeBenefit percentage, monthly caps, taxability, waiting periods, and covered income.
Life & healthEmployer life coverage, portability, deductibles, out-of-pocket risk, and reserves.
Next stepsGet a clarity score and a plain-English summary to prepare for a private review.

Run your benefits clarity check

Answer what you know. “Not sure” is useful because it shows what needs verification.

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Step 1

Income & household snapshot

This helps estimate whether employer benefits could support your household cash flow. Leave any field blank if you prefer.

Base pay before taxes.
Optional, but important for variable compensation.
Mortgage/rent, food, debt, insurance, childcare, etc.
Approximate months of expenses available.
Step 2

Disability income benefit check

These are the details that commonly create a gap: income definitions, benefit caps, tax treatment, and waiting periods.

Usually shown as a percent of covered earnings.
Maximum monthly benefit, if listed.
Do you currently have employer long-term disability coverage?
This is often called LTD in a benefits package.
Do you know whether your disability benefit would be taxable?
If the employer pays the premium, benefits may be taxable. Confirm with plan documents or a tax professional.
Do you know whether bonus, commission, RSUs, or consulting income are counted?
The definition of covered income can matter more than the percentage shown.
Do you know your waiting period before benefits begin?
Common waiting periods include 30, 60, 90, or 180 days.
Do you have any individual disability income coverage outside work?
Individual coverage may help address gaps from employer caps, taxability, portability, or income definitions.
Step 3

Life insurance & family protection check

Employer life insurance can be valuable, but it may be only a starting point. Check amount, portability, and household obligations.

Do you know how much life insurance you have through work?
Many plans are based on a multiple of salary.
Do you know whether your employer life coverage is portable if you leave your job?
Portability can matter during job changes, layoffs, or career transitions.
Step 4

Health coverage & cash-flow check

A health plan may be strong, but deductibles and out-of-pocket maximums can still create short-term cash-flow exposure.

Do you know your health plan deductible and out-of-pocket maximum?
This helps estimate what you may need to absorb before coverage pays more fully.
Have you reviewed your benefits within the last 12 months?
Benefits should be reviewed when income, family, job, or obligations change.
Step 5

Notes for your private review

Use this area for general questions only. Do not enter sensitive health details, SSNs, medical records, or account numbers.

Plain-English summary

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