I always see red when I read articles like these. They encourage employee to “use up” their coverage with total disregard to their employer that is paying the bill.
Would someone suggest claiming against any other insurance to avoid “wasting money”? Would someone make that minor car insurance claim each year for the shopping cart ding or minor scrape? Likely not, unless you are good with your rates skyrocketing. So why is it okay here?
An employee benefit plan is a perq that good employers provide (and should be used that way), not as a way to get more from an insurer (that isn’t really paying).
I pay for benefits monthly and I’ll be damned if I’m going to miss my opportunity to squeeze the most from them. Otherwise, it’s wasted money.