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