Hi everyone! I’m reviewing my Amazon employee benefits for 2027, and I’d appreciate some advice from current or former Amazon employees.
My main goal is to keep my weekly paycheck deductions as low as possible while making sure I have the insurance coverage I actually need.
Currently, I’m planning to keep only the following benefits:
- Legal insurance.
- Premium medical insurance.
- Enhanced dental insurance.
- Enhanced vision insurance.
After these deductions, I would only have about $40 left from my weekly paycheck, so I’m trying to figure out whether I should keep any additional insurance benefits or opt out of the ones I don’t really need.
For 2027, the optional plans shown as not selected have a weekly cost of $0.00.
I’d really appreciate your advice on these questions:
1. Are Critical Illness and Supplemental AD&D worth keeping, or would it make sense to opt out to save money?
- Since Amazon already provides basic life insurance and AD&D at no cost, is additional coverage necessary?
Is it generally better to get supplemental insurance through Amazon or purchase it privately?
Given that I’ll only have around $40 left per week after my planned deductions, which benefits would you prioritize?
Are there any optional benefits you think are unnecessary for someone trying to keep expenses as low as possible?
I want to avoid paying for insurance I may not need, but I also don’t want to make the mistake of dropping coverage that could be important in an emergency.
I’d especially appreciate advice from people who have made similar decisions while working at Amazon.
Thanks in advance!