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Tip of the Week

Employer Provided Benefits

Whether you've just started a new job or you've been with the same company for years, you need to make sure you're maximizing your employee benefits.

Most employers offer a host of company-sponsored benefits. Often, the combined value of these coverages is worth a third or more of your base pay. That's too much money to leave on the table. And some employee benefits have valuable tax advantages you can't afford to ignore.

If your employer provides a 401(k) plan or Health Care and Dependent Care Flexible Spending Accounts (FSAs) and you're not participating, you could be missing out on hundreds - or thousands - of dollars in tax savings each year. That's money that goes right into your pocket instead of Uncle Sam's.

Visit the following links to learn the ins and outs of employee benefits and everything you need to maximize your job and all it has to offer.


Montana Credit Unions for Community Development (or MCUCD) is the award-winning, charitable arm of the Montana Credit Union Network. A state-wide nonprofit organization, MCUCD works together with the state's credit unions to improve the lives and financial independence of all Montanans.