gooddecisions
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Joined: Dec 22, 2010 13:42:28 GMT -5
Posts: 2,418
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Post by gooddecisions on Oct 17, 2014 14:47:03 GMT -5
So far my annual tally for next year's benefits is: - 401(k)- 18000 (not technically part of open enrollment, but it's bookmarked)
- Dependent care FSA- 5000
- HSA- 2950
- Health & Dental- 1125 (me only)
- Prepaid legal- 198 (after tax)
For a grand total of $27,273 that I won't see in my net income. I passed on all supplemental life insurance and long term disability that wasn't free as well as purchased time off. I have another month to decide if I'm adding in a United Way contribution. What do your totals add up to?
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midjd
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Joined: Dec 18, 2010 14:09:23 GMT -5
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Post by midjd on Oct 17, 2014 16:27:54 GMT -5
457 -- $18K HSA -- $4150 (employer kicks in another $2500) Dependent care FSA -- $5K Vision/dental FSA -- $2500 Health, vision, dental insurance (family) -- $950ish
Total -- $30,600. Ugh. At least a lot of it is long-term savings…
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TheHaitian
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Joined: Jul 27, 2014 19:39:10 GMT -5
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Post by TheHaitian on Oct 17, 2014 16:30:39 GMT -5
Total -- $30,600. Ugh. At least a lot of it is long-term savings… :eek::eek::eek: You are RICH!!!
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Deleted
Joined: May 3, 2024 9:47:07 GMT -5
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Post by Deleted on Oct 17, 2014 19:42:34 GMT -5
457 -- $18K HSA -- $4150 (employer kicks in another $2500) Dependent care FSA -- $5K Vision/dental FSA -- $2500 Health, vision, dental insurance (family) -- $950ish Total -- $30,600. Ugh. At least a lot of it is long-term savings… Again, I'm not in your league.
Pension contribution -- $4585 457b -- $4800 FSA -- $1825 Health insurance (family) -- $2560
So my total is "only" $13,770. I also get dental (for just me), life insurance, and long-term disability insurance as employer-paid benefits.
But we also pay for my Roth ($6500) and DH's Medicare (no idea since it comes out of his SS check) in addition to this. By the way, I also pay SS in case anyone wonders.
I honestly feel that I work for benefits sometimes.
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lynnerself
Senior Member
Joined: Jan 3, 2011 11:42:29 GMT -5
Posts: 4,166
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Post by lynnerself on Oct 17, 2014 19:50:14 GMT -5
$24,000 to 401K next year. Everything else picked up by employer. (Some coverages, like dental are through DH.)
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Deleted
Joined: May 3, 2024 9:47:07 GMT -5
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Post by Deleted on Oct 17, 2014 20:00:03 GMT -5
$24,000 to 401K next year. Everything else picked up by employer. (Some coverages, like dental are through DH.) $24K? $18K plus $5k? for catch up contribution?
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gooddecisions
Senior Member
Joined: Dec 22, 2010 13:42:28 GMT -5
Posts: 2,418
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Post by gooddecisions on Oct 17, 2014 20:49:03 GMT -5
457 -- $18K HSA -- $4150 (employer kicks in another $2500) Dependent care FSA -- $5K Vision/dental FSA -- $2500 Health, vision, dental insurance (family) -- $950ish Total -- $30,600. Ugh. At least a lot of it is long-term savings… Again, I'm not in your league.
Pension contribution -- $4585 457b -- $4800 FSA -- $1825 Health insurance (family) -- $2560
So my total is "only" $13,770. I also get dental (for just me), life insurance, and long-term disability insurance as employer-paid benefits.
But we also pay for my Roth ($6500) and DH's Medicare (no idea since it comes out of his SS check) in addition to this. By the way, I also pay SS in case anyone wonders.
I honestly feel that I work for benefits sometimes.
You and me both. What's left goes to daycare. No fun money for me .
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gooddecisions
Senior Member
Joined: Dec 22, 2010 13:42:28 GMT -5
Posts: 2,418
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Post by gooddecisions on Oct 17, 2014 20:52:48 GMT -5
457 -- $18K HSA -- $4150 (employer kicks in another $2500) Dependent care FSA -- $5K Vision/dental FSA -- $2500 Health, vision, dental insurance (family) -- $950ish Total -- $30,600. Ugh. At least a lot of it is long-term savings… Your health, vision and dental family insurance plan sounds like a steal- plus your employer gives another $2500, nice. My employer only chips in $400 to the HSA, but better than nothing.
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lynnerself
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Joined: Jan 3, 2011 11:42:29 GMT -5
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Post by lynnerself on Oct 17, 2014 20:56:03 GMT -5
$24,000 to 401K next year. Everything else picked up by employer. (Some coverages, like dental are through DH.) $24K? $18K plus $5k? for catch up contribution? 2015 limits $18K plus $6k for catch up
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Deleted
Joined: May 3, 2024 9:47:07 GMT -5
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Post by Deleted on Oct 17, 2014 21:01:00 GMT -5
$24K? $18K plus $5k? for catch up contribution? 2015 limits $18K plus $6k for catch up cool. I didn't realize they ever upped the catch-up limit (2015 is the first year I'm eligible)
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midjd
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Post by midjd on Oct 17, 2014 21:43:12 GMT -5
457 -- $18K HSA -- $4150 (employer kicks in another $2500) Dependent care FSA -- $5K Vision/dental FSA -- $2500 Health, vision, dental insurance (family) -- $950ish Total -- $30,600. Ugh. At least a lot of it is long-term savings… Your health, vision and dental family insurance plan sounds like a steal- plus your employer gives another $2500, nice. My employer only chips in $400 to the HSA, but better than nothing. It's a pretty good deal. In 2015 the standard HDHP went from $900 to $1600 for family coverage, but if you did the "wellness challenge" (biometric screening, pedometer, etc) they knocked off $650 and kicked in an extra $300 to the HSA. DH has had four knee operations since 2011 (and I had a baby) so we've hit the $5K deductible for 4 years and the $8K OOP max for 2 years. Ouch! But if you are fairly healthy and injury-free, it's very cheap coverage.
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Deleted
Joined: May 3, 2024 9:47:07 GMT -5
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Post by Deleted on Oct 18, 2014 3:35:56 GMT -5
For me just 18k for the Roth 401k, all the benis are through DW.
DW is 18k Roth 401k 1k pension contribution 3k medical/dental 5k HSA
So 9k pretax, 36k posttax
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