Schedule consultations with representatives early to avoid missing deadlines which can result in having to default once again to the previous year's options. Investigate your social security history. If you have never done it, contact the Social Security Administration and determine what your earnings history has been and what your prospects are for future earnings. Every two to three years, request an updated earnings report on your Social Security withholding. Be sure to check for errors or information that may have been omitted by your employer.
Review wills and insurance policies.
Make sure third parties are aware of what they need to know to act on your behalf in the event of an emergency. Determine whether or not they need certified copies of your will or any related documents. And be sure to include a letter of instructions to family members, allowing them to take over any financial obligations or wishes in the event of an emergency. In addition, be sure to check for any increased protection requirement to your homeowner's or renter's policy every year. Also investigate if the level of coverage for personal items and contents is adequate, and if you have replacement- cost coverage.