- Payroll
- Benefits
- Team Management
- Accounting & Integrations
- Employees & Contractors
- Account Setup & Maintenance
- State Registration & Compliance
Employees & Contractors
For employees and contractors, learn how to make the most of your Gusto account. Change your bank account info, update your home address, access your forms, and more.
Employee Benefits
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Health Insurance
- Change your Gusto benefits
- Enroll in benefits
- Waive coverage
- Proof of a qualifying life event
- Valid waiver reasons
- Insurance ID cards
- Member medical ID numbers
- Locate your Summary of Benefits and Coverage
- Continue life insurance coverage after employment
- Life Insurance Beneficiaries: Basic Information
- Evidence of Insurability (EOI)
- Add a beneficiary
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Paid Time Off
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Commuter Benefits
- Commuter Benefits Card: Basic Information
- Use the Gusto Benefits Card Manager
- Register for your Gusto Benefits Card Manager account
- Commuter Benefit Funds: Basic Information
- Submit a Gusto benefits card claim
- How to use commuter benefits
- Change your commuter benefit contribution
- When will my claim be reimbursed?
- Enroll in Gusto commuter benefits
- Gusto Benefits Card PIN
- When will I get my Gusto Benefits Card?
- Set up your Gusto commuter card with Uber and Lyft
- Report Gusto Benefits Card as lost/stolen
- Eligible commuter expenses
- Submit claims for unauthorized transit vendors
- Using your Gusto Benefits Card for multiple benefits
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Health FSA
- Use the Gusto Benefits Card Manager
- Register for your Gusto Benefits Card Manager account
- Submit a Gusto benefits card claim
- Flexible Spending Account: Basic Information
- General purpose vs. limited purpose health FSA
- When will my claim be reimbursed?
- FSA expiration
- Gusto Benefits Card PIN
- Provide documentation for an FSA transaction
- When will I get my Gusto Benefits Card?
- Key employee concentration testing
- Handle ineligible FSA transactions
- FSA after employment
- Provide documentation for FSA claims
- Pay back an ineligible Health FSA expense
- Report Gusto Benefits Card as lost/stolen
- Enroll in your Health FSA
- FSA vs. HSA
- FSA eligibility
- Eligible Health FSA expenses
- Using your Gusto Benefits Card for multiple benefits
- Set up a recurring FSA expense
- Change your Health FSA Contribution
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Dependent Care FSA
- Use the Gusto Benefits Card Manager
- Register for your Gusto Benefits Card Manager account
- Submit a Gusto benefits card claim
- Gusto Benefits Card PIN
- Provide documentation for an FSA transaction
- Dependent Care FSA eligibility
- Change your Dependent Care FSA Contribution
- Report Gusto Benefits Card as lost/stolen
- Dependent Care FSA expiration
- Using your Gusto Benefits Card for multiple benefits
- Submit over-balance Dependent Care FSA claims
- Dependent Care FSA after employment
- Eligible Dependent Care FSA Expenses
- Enroll in your Dependent Care FSA
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HSA
- Health Savings Account (HSA)
- Change your HSA contribution
- When will my claim be reimbursed?
- Transfer HSA funds to Avidia
- When will I get my Gusto Benefits Card?
- Customer Identification Program (CIP)
- Enroll in your company's HSA
- Make external deposits to your HSA
- Investing HSA funds
- HSA fund availability
- FSA vs. HSA
- HSA paper statement fees
- Tax Forms for HSA (1099- SA 5498-SA)
- HSA after employment
Benefits Glossary
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Definitions & FAQs
- What is the difference between short-term and long-term disability?
- 401(k)
- Open enrollment (OE)
- Health plan
- SIMPLE IRA
- Summary of benefits and coverage
- Health Reimbursement Account (HRA)
- Employer responsibility
- Pharmacy tier pricing
- Health benefits
- Read your summary of benefits & coverage (SBC)
- Short-term vs. long-term disability insurance
- Delta Dental PPO vs. Delta Dental Premier
- 403(b)
- Pre-authorization
- Insurance claim
- Understand your dental plan
- Out-of-pocket maximum (OOP max)
- Group health insurance
- Medicare
- Individual health insurance
- Emergency care
- Preventive care
- HealthCare.gov
- Preferred provider organization (PPO)
- Point of service (POS)
- Metallic tiers
- Health maintenance organization (HMO)
- Deductible
- Co-pay
- Exclusive provider organization (EPO)
- HMO vs. PPO
- Coinsurance
- High Deductible Health Plan (HDHP)
Employee Accounts
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Account Settings
- Access your Gusto account
- Sign into your Gusto account with Google
- Change your tax withholdings
- Add multiple bank accounts for employee direct deposit
- Switch between Gusto profiles and accounts
- Make a payday email private
- Reset your password
- Change or edit your home address
- Sign into Gusto for the first time
- Change your email or password
- Employee accounts
- Employee email notifications
- Enter personal details to your employee account
- Account access after termination
- Unlock your Gusto account
- View your employee 401(k) dashboard
- Sign a Birthday Card for a coworker
- Troubleshooting account access
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Payments
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Forms
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Gusto Time Tracking
Contractor Accounts
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Account Settings
- Access your Gusto account
- Sign into your Gusto account with Google
- Switch between Gusto profiles and accounts
- Make a payday email private
- Reset your password
- Change or edit your home address
- Sign into Gusto for the first time
- Change your email or password
- Contractors with Gusto accounts
- Unlock your Gusto account
- Troubleshooting account access
- Email notifications for contractors
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Payments
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Forms