{ "media_type": "text", "post_content": "Which firm benefits/insurance should I enroll and skip? Will elect HSA and firm-paid disability insurance. How about employee critical illness insurance or long term care plan?", "post_id": "6145244dcddc0c0023d0d9b2", "reply_count": 4, "vote_count": 1, "bowl_id": "5df70ed2f7169f002b172d3f", "bowl_name": "Big Law" }

Which firm benefits/insurance should I enroll and skip? Will elect HSA and firm-paid disability insurance. How about employee critical illness insurance or long term care plan?

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The long term care insurance is usually pretty cheap, so I go for it. Better to have it and not need it.

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How much do you pay for it per pay period?

I would not get an HSA if you see specialists or access much medical care. The triple tax advantage is not worth the stress of "rationing" my own care until I meet deductibles. Peace of mind worth more.

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Yeah I rarely see a doc so HSA should be fine for me.

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