I'm sure you've heard the phrase "start off on the right foot."It's a guideline that can be applied to everything in life, fromstarting a new career to getting married. But a lot of times, wemake initial mistakes that lead to others - we're not only on thewrong foot; we're wearing the wrong shoes.

You probably see this with employees in their benefits plans:They are using their benefits wrong from the get go. Instead ofhelping them reach financial milestones, like retirement or to payfor costly health care expenses, benefits end up costing employeesmore or become lost opportunities.

As workplace financial educators, we often see the mistakesemployees make with their benefits after it's too late. Mistakesare common because employees are either unaware of or misunderstandtheir benefits. Here are the five most common mistakes we see.

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