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