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