Disclaimer & Terms of Use
Last updated: June 2026
Not professional advice
The creator of Benefits Unlocked is not acting as your financial advisor, insurance agent, broker, attorney, tax preparer, or healthcare provider. Nothing in this course creates a professional relationship of any kind.
Your employer's plan documents, summary plan descriptions (SPDs), insurance certificates, and official government publications control your actual coverage, costs, and rights — not this course.
Your situation is unique
Benefits rules vary by employer, state, plan year, and individual circumstances (health status, family size, income, age, and more). Examples in this course are illustrative only. Outcomes described may not apply to you.
Medicare section
The Medicare module is a high-level overview for general awareness only. Medicare rules change frequently and depend on eligibility, enrollment timing, and plan choices. For Medicare decisions, use official sources such as Medicare.gov and SSA.gov/medicare, or consult a qualified, licensed professional.
No guarantees
We do not guarantee any specific savings, coverage outcome, tax result, or enrollment result. You are solely responsible for verifying information and making your own decisions.
Analytics & advertising
This site may use third-party analytics and advertising pixels (including Meta and TikTok) to measure traffic from social posts and ads, and to improve ad delivery. These tools may collect technical data such as your browser type, pages visited, and approximate location derived from IP address.
We do not sell your personal information. Pixel data is used for aggregate site analytics and ad attribution on an educational marketing site — not to provide personalized financial, tax, legal, insurance, or medical advice. You can limit tracking through your browser settings or platform opt-out tools (e.g. Meta ad preferences, TikTok privacy settings).
External links & videos
Links to third-party websites and embedded YouTube videos are provided for supplemental education. We do not control or endorse all content on external sites. Official government sources should be treated as authoritative for rules and eligibility.
Official sources to consult
- U.S. Department of Labor — Employee Benefits Security Administration (EBSA)
- IRS — Retirement Plans
- HealthCare.gov
- Medicare.gov
- Social Security Administration
- Centers for Medicare & Medicaid Services (CMS)
Digital purchases, license & refunds
Benefits Unlocked is a digital course. Upon payment, you receive immediate access to all course videos, PDF worksheets, and downloadable materials. Because content is delivered instantly, all sales are final and we do not offer refunds. Please review the course outline and what's included on the sales page before purchasing.
One license per individual. Your purchase grants access to one person only. Sharing login credentials, magic links, or course materials with others is not permitted.
Questions about your benefits?
Contact your employer's HR or benefits administrator, your plan's member services number, or a licensed professional (CPA, financial advisor, insurance agent, or attorney) as appropriate for your question.
Document upload tools (Playbook Assistant)
The Playbook Assistant lets you upload employer benefit PDFs to extract text and pre-fill worksheet fields in your browser.
- PDFs are processed locally on your device — we do not receive or store uploaded documents on our servers in the current version.
- Extracted and mapped fields are best-effort guesses from keyword matching — not verified facts.
- Always verify auto-filled information against your employer's official plan documents, SPD, SBC, and HR before making any election.
- This tool is educational only — not personalized financial, tax, legal, insurance, or medical advice.
Plan Explorer tool
The Plan Explorer asks questions about your expected healthcare use and preferences, then suggests generic plan types (e.g. HDHP+HSA, PPO, HMO) you might want to compare.
- Output is an educational suggestion only — not insurance, medical, or financial advice.
- You are solely responsible for your benefits election and any financial outcome.
- Benefits Unlocked does not enroll you and does not make elections on your behalf. You must enroll through your employer's official benefits portal.
- The tool compares hypothetical plan categories — not your employer's actual plan names, costs, or networks.
- Your employer's plan documents always prevail over any output from this tool.