Disclaimer

Educational only

Content on this site reflects the opinions of Benefits Blake and is for educational purposes. It is not tax, legal, insurance, or investment advice.

Reading an article, downloading a checklist, or running one of our tools doesn’t create an advisor relationship. Your plan has details we know nothing about. Consult a licensed professional before you act on anything here.

Who writes this, and who pays him

Benefits Blake is Blake Erickson, a licensed employee benefits advisor at DSP Insurance Services. That’s a real job at a real brokerage, and it pays the bills.

So read accordingly. The point of view here comes from someone who sells benefits consulting for a living. We think that makes the content better, because it’s grounded in actual renewals and actual claims data. But you should know it, and we’d rather say it plainly than bury it.

We don’t take money from carriers, PBMs, or vendors to write about them. No article on this site is sponsored. When we name a vendor, nobody paid for the mention.

About the numbers

Annual figures like contribution limits, penalty amounts, and filing thresholds are checked against the agency that issued them, and we show you the source so you can check too. Each figure carries the year it applies to.

Rules still change, sometimes mid-year, and a page can go stale between updates. Before you file something or write a check, confirm the current figure with the IRS, DOL, or HHS directly.

How we use AI

We use artificial intelligence in our day-to-day work, including research and drafting. Everything we publish gets human review.

Ask Blake is an AI assistant and answers in real time, so it hasn’t been reviewed by anyone before you read it. It can be wrong. Verify anything that matters.

Links and third-party content

We link to government agencies, research organizations, and industry sources so you can verify what we’ve written. We don’t control those sites and a link isn’t an endorsement of everything on them.

Spot something wrong on our end? Tell us at blake@benefitsblake.com and we’ll fix it.

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