How can we help?

Gusto Benefits: Basic Information

Once you offer benefits with Gusto, here are a few things to know about your benefits management going forward.

Check your mailbox for your ID card

The insurance carriers send ID cards directly to each enrolled person. They typically arrive 5-7 business days after the benefits start date. Head here for other options to find ID numbers and what to do if you need to go to the doctor before your card arrives. 

Pay your carriers on time

Pay your invoice directly to your insurance carrier(s). Gusto does not make invoice payments on your behalf. Read about how the funds move with payroll deductions and check out our carrier-specific steps to pay your carrier

Gusto handles all of your enrollments and deductions

All you need to do is keep your teams' employment details up to date in Gusto. Whenever you make changes (such as hiring and dismissing employees, or changing them from part time to full time), Gusto automatically takes care of their benefits and payroll deduction changes. What to expect:

  • New hires: after their new hire waiting period is complete, Gusto emails eligible new hires when it's time to sign in to their account and enroll in benefits. You can estimate your new hire's benefits cost even before their coverage starts. 
  • Employment changes: if someone's employment changes, be sure to update their employment status. If they're newly eligible for benefits (e.g. if you change their status from part time to full time), they're invited to enroll in coverage after their benefits waiting period is complete. If the change makes them ineligible for benefits (e.g. they went from full time to part time), Gusto lets the carrier know to remove them from coverage. Read more on eligibility here.
  • Class changes: if you offer different company contributions to different types of employees, and an employee changes classes, reach out to our support team so we can manually update their class and assess if benefits changes are required. 
  • Dismissals: when you dismiss an employee, their benefits are terminated and we'll send them COBRA information. Here’s more info on termination payrolls and how final deductions work.
  • Qualifying life events: if an employee experiences a life event that qualifies them to change their coverage, they can submit enrollment changes in Gusto. They must submit their request within 30 days of the event.

Find the info you need

To find details about your company benefits package, download a Summary of Benefits, add new lines of coverage, or view deductions, contributions, enrollment, and more, head to the Benefits section of your admin account.

For questions about claims and coverage, contact your carrier directly.

Know when to expect renewal and open enrollment 

When your company benefits are up for renewal (a year after they begin), Gusto will reach out to you to understand how the plans worked for you and help you choose your benefits package for the next year. Then we'll run a new open enrollment for your team.


Gusto currently supports the following benefits in the following states:

Supported Benefits Supported States
  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Employer-paid life insurance
  • Short-term disability insurance
  • Long-term disability insurance
  • Health flexible spending account (FSA)
  • Dependent care flexible spending account (DCFSA)
  • Health savings account (HSA)
  • Commuter benefits
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington D.C.
  • Wisconsin

If don't have health benefits yet and you'd like to learn more, go to the Help section of your Gusto account to contact our team.

Payroll, benefits, HR and more.