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