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