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Employee benefits are one of the most overlooked aspects of financial planning. We often check a few boxes during open enrollment and move on—but are we truly maximizing what's available to us?
This week, we sit down with Joe Saul-Sehy, host of Stacking Benjamins, to uncover the hidden value in workplace benefits. From disability insurance pitfalls to term vs. whole life insurance, Joe walks us through key strategies to ensure we're not leaving money (or protection) on the table.
Joe also introduces a powerful HR benefits guide, a resource designed to help us navigate workplace perks with confidence. Whether it's understanding own-occupation disability insurance, avoiding junk policies, or knowing when to self-insure, this conversation is packed with actionable advice. If you've ever wondered whether you're making the most of your benefits—or if you're just blindly accepting what's offered—this episode is for you.
Outline of This Episode
- (0:00) Maximizing Workplace Benefits
- (2:32) Disability Insurance: Are You Really Covered?
- (6:50) The Truth About Accidental Death Policies
- (10:30) How Your Emergency Fund Can Replace Certain Insurances
- (14:50) The Hidden Costs of Small-Dollar Insurance Policies
- (18:00) Term vs. Permanent Life Insurance: What's Right for You?
- (24:20) How Much Life Insurance Do You Actually Need?
- (27:40) The Ongoing Evolution of Workplace Benefits & Joe's HR Guide
Resources & People Mentioned
Connect with Joe Saul-Sehy
- Twitter: @AverageJoeMoney
- Instagram: @StackingBenjamins
- LinkedIn: Joe Saul-Sehy
Connect with Benjamin Brandt
- Become a Client: www.retirementstartstoday.com/start
- Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/
- Follow Ben on Twitter: https://twitter.com/retiremeasap
- Join the newsletter: https://retirementstartstodayradio.com/newsletter
- Dive deeper into retirement planning with Ben at www.RetirementIncome.University
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