How I Saved $100,000 by Consulting One Document.

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How I Saved $100,000 by Consulting One Document.

Watch the video or read the summary below to learn more!

No, this is not clickbait.

In case you're wondering: "Annette, what are you talking about?"

Let's back up a bit.

For those of you who know my story, three years ago my mom had a catastrophic accident while traveling overseas that resulted in quadriplegia. Because of the extent of her injuries, a commercial flight back to the States was not an option. My mother needed a medical flight back to the States. In the research we did, we found that medical flights run about $80,000 to $100,000.

I found a way for this to be covered. In case you're wondering, "how did you make that happen?" I did some digging, and read a copy of the employee handbook where my mom was a W-2 employee.

[Special thanks to her friend and work colleague who was able to get that to me!]

My mother had access to an EAP.

EAP stands for Employee Assistance Program, and it's an employee benefit program that assists employees with personal problems and/or work-related problems that may impact job performance, health, mental and emotional well-being.

For those of you who have full-time employment and are W-2 employees in the United States this is something you really should go check out. (If you're in another country you can consult with your human resources department about any benefits that you may be able to get. I'm less familiar with them since I'm based here in the US.)

The important thing is for you to go to your Human Resources Department and talk to them. These are people whose job it is to literally know about all the benefits that you have, and there may be some perks you may not even know you have access to. Many times you can  find these documents online as a PDF, especially if you work for a public institution.

Let me tell you a little bit about the benefits we received:

In case you're wondering, my mother did have medical travel insurance. However, that did not cover her flight - or any medical evacuation happening overseas.

Our flight went from Vienna, Austria to Reykjavik, Iceland to Goose Bay, Canada to our final destination, Teterboro Airport in New Jersey. (Never was I so thrilled to be back in New Jersey.)

We had a private plane that included six people: two pilots, a nurse, a doctor, my mother and myself. In addition, there were the the ambulances the medical teams that transported my mother from the hospital in Vienna to the airport, and then from Teterboro Airport to her acute rehab facility in South Orange, New Jersey.

This is a prime example of how knowledge is power.

My mother did not have the financial resources to have this covered out-of-pocket. If I think about what we would have had to do to make it happen...I'd rather not go there. The mere fact that a small portion of her paycheck went in to cover this EAP benefit we were able to access it when needed, was amazing and it's something I had no idea existed until three years ago when I received the benefit of it through my mother.

Your action items, if you are a W-2 employee:

  1. Get a copy of your handbook from Human Resources.

  2. Make sure it's in a place where both you and others can access it if needed.

  3. Last but not least: give it a read. You might have a benefit you don't even know that you can put into effect today!

Comment below, or reach out directly once you've completed these action items. Let me know what you've learned! Are there any benefits you are able to integrate in your life starting today?

Remember, you got this!