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