Terms of Use
Effective September 21, 2026
By using Everyday Benefits, you agree to these terms. They're written in the same plain English as the rest of the site.
Education, not advice
Everything here — articles, guides, and calculators — is general educational content. It is not financial advice, tax advice, legal advice, or professional benefits advice. Calculators produce estimates based on the numbers you enter; they don't know your plan's fine print. See our disclaimer for the full picture. For decisions involving real money, check your official plan documents or talk to a licensed professional.
Community plan data
Plan numbers shared through the family plan chooser are contributed anonymously by readers and shown in aggregate. They may be incomplete, out of date, or mistyped — always verify against your employer's official materials before making enrollment decisions. We may correct or remove contributed data at our discretion. If you spot an error, email [email protected].
Use it fairly
- Don't submit anyone's personal information — yours or anyone else's.
- Don't try to break the site, evade rate limits, or scrape it aggressively.
- You're welcome to link to our content and quote it with attribution for non-commercial purposes.
Our content
Articles, illustrations, and calculators on this site are © Everyday Benefits. All rights reserved, except where noted.
No warranties
The site is provided “as is.” We work hard to keep information accurate and current, but benefits law, IRS limits, and plan designs change — we can't guarantee everything is complete or up to date, and we're not liable for decisions you make based on it.
Changes
We may update these terms as the site grows. Continued use after changes means you accept them. Questions? Email [email protected].