Benefits Made Simple

About Benefits Made Simple

Thanks for stopping by. I'm the person behind Benefits Made Simple. I've spent more than 20 years working in employee benefits, with both large employers and small-to-mid-market clients.

I worked my way up from customer service to leadership and sales, so I've held every role along the way. Through all of it, the part I care about most has stayed the same: helping people.

Employee benefits can feel like a foreign language. Deductibles, HSAs, FSAs, vesting schedules, and a stack of legal notices show up once a year, usually with a short deadline. I built this site to explain them in plain words, for free, so employees can make confident choices and employers and HR teams can explain their benefits clearly.

I'm a family man first. I hold a Texas life and health insurance license and project management certifications.

How I make these guides

  • Drafted with help from AI tools. I use AI tools to help draft the guides. Each guide is then checked against the official sources listed at the bottom of it, and I review it before it's published.
  • Sources actually opened. Facts and figures come from official and reputable sources, such as the IRS, the U.S. Department of Labor, HealthCare.gov, CMS, Medicare.gov, the Bureau of Labor Statistics, and KFF. Each guide lists its sources with full links.
  • Every number has a year. Benefit limits change often, so each figure says which year it applies to. Figures that could not be checked against a source are left out.
  • Made-up examples are labeled. Examples help explain ideas, and they are always marked as made up. They are not real prices or data.
  • "Last checked" dates. Each guide shows when it was last checked. The current guides were last checked in Nov 2026.
  • Corrections are welcome. If you spot something that looks wrong or out of date, I want to know. You can send a correction, a question, or an idea for a guide through the question box.

What this site is not

This site is for general education only. It is not professional, legal, tax, or financial advice, and nothing here is a recommendation for your situation. Your own plan documents, such as your Summary of Benefits and Coverage and Summary Plan Description, are the final word on how your benefits work. Rules can vary by employer size and by state, and they change over time.

Before you make a decision about your situation, check your plan documents and talk with a qualified professional, such as your HR team, a benefits attorney, a tax adviser, or a licensed financial professional.

No ads, no affiliate links

There are no ads and no affiliate links on this site, and the site does not sell or promote any product or provider. See the privacy page for what the site does and doesn't collect.