As the year winds down, now is the perfect time to review your employee benefits and make sure you’re getting the most out of them before December 31. Many benefits operate on a “use it or lose it” basis, so acting now can help you avoid leaving money on the table. Here are some tips:

Check Your Flexible Spending Account (FSA) Balance

If you have an FSA, most plans require you to spend the funds by year-end or risk forfeiting them. Consider using remaining dollars on eligible expenses such as:

• Prescription glasses or contact lenses
• Over-the-counter medications
• First-aid supplies

Also, review your plan for any grace periods or carryover options. Some employers allow you to roll over a portion of unused funds.

Schedule Appointments

Don’t let unused benefits go to waste! If you need to schedule:

• Annual physicals
• Dental cleanings
• Vision exams

Reach out to your provider’s office to see if they have any openings.

Plan Ahead for Next Year

While you’re reviewing your current benefits, plan ahead for 2026. Update beneficiaries for life insurance or retirement accounts, confirm your contact information is accurate, and identify the preventive care appointments you’ll need for the coming year.