We are always setting goals for our kids, and they, in turn, set some goals for themselves. I came up with this easy and fun way to track goals with these fun punch cards. There is something about getting their card ‘punched’ that is so fun for my kids!
It’s always a good time to help your kids learn about goals, but as the season of Open Enrollment approaches, it’s a great time for the adults to talk about goals for the family and how your benefits support that. Family partners can discuss what goals they have and what switch they may want to make and if any additional coverage is needed. While the adults discuss that, it’s always fun to bring the kids into goal-setting and teaching them see through their goals.
These cards, with only 7 spots to punch, young kids can reach success quickly. You can teach them to set a goal, discuss the steps to see it through and punch out each circle as they complete it- i.e. reading for 20 minutes a day, making his/her bed, cleaning up a room, behaving well, eating healthy, etc.
There is space to write the goal above the cards so kids can have a few going at once. You can choose goals that are long term or short term, daily goals.
Kids LOVE these – and you can use them as parents, too — especially to model for your kids. i.e. water intake, exercising, etc. You can download them below:
Open Enrollment can also be a good reminder to discuss smart benefit choices for your family – and the overall goals you have.
Some Things to Think About
What is Open Enrollment?
Fall marks, for most U.S. companies, open enrollment season. Employees, typically, can review their employer-sponsored benefits and choose the health insurance policies that best meet their financial and healthcare needs.
Many families are faced with high-deductible health plans (HDHPs) – and can have a deductible of $1,000 or more. These types of plans are becoming more popular, so it’s important that employees have a good understanding of benefit options to avoid losing money. It is known that millennial employees who don’t set aside the time to review their benefits options often end up with inadequate coverage for themselves and their families.
According to the 2016 Aflac Open Enrollment Survey, more than half (56%) of millennials say they don’t understand all the aspects of their overall health care policy – like deductibles, co-pays or in-network providers. And yet, 24% admitted that they don’t spend enough time researching their major medical or health insurance options. The good news is millennials may be in a position to find some additional cash this year – in fact, up to $750 worth. 70% of millennials estimate that they waste up to $750 because of mistakes they make during open enrollment. (Aflac Open Enrollment Survey, 2016) Spending more time researching benefits options can help ensure you make the best health care and financial decisions for yourself and your family this open enrollment.
HDHPs are rising in popularity, but many millennials do not have a choice. More than half (60%) of millennials selected a major medical/health insurance plan with a high deductible of $1,000 or more last year, up from 48% who said the same in 2015. (Aflac Open Enrollment Survey, 2016). 38% completely or strongly agree that they regret choosing a HD and 3% completely or strongly agree that their HDHP was financially detrimental for themselves and/or their family. (Aflac Open Enrollment Survey, 2016) This may stem from a lack of understanding. Millennials who do choose, or are forced into, a HDHP may want to encourage their employer to ensure they have other benefits options available. For instance, a health savings account and voluntary insurance can help pay for deductibles and other out-of-pocket costs to give you the freedom to live your life to fullest, instead of being burdened with medical expenses.
What is Voluntary Insurance and why is open enrollment a good time to think about it?
Voluntary insurance is a key component of health care – especially for millennials who find themselves in HDHPs or with minimal cash in their savings accounts. Voluntary insurance pays cash when you’re sick or hurt so you can focus on recovery, not financial stress. Accident, disability, critical illness, cancer, hospital and life insurance are examples of voluntary insurance policies that can complement your major medical insurance based on your individual needs.
Remember, major medical policies pay doctors and hospitals, but voluntary policies pay cash directly to you, the insured (unless otherwise assigned), which means you get decide how the cash is used. The truth is, even when suffering from a health event, bills must be paid. Yet, the 2016 Aflac WorkForces Report found that 65 % of employees have less than $1,000 to pay out-of-pocket expenses associated with an unexpected serious illness or accident if it occurred today. With voluntary insurance like Aflac’s, you have access to cash benefits that pay you directly (unless otherwise assigned) and quickly – helping to give you financial support and peace of mind.
TIP: Don’t forget to utilize the resources available through your employer. Many workplaces offer the option to speak with a benefits expert about your specific needs and provide online portals to compare plans.
Download the “My Goal” Punch Cards for Kids HERE!
What goals do you have for your family? What personal goals do you have? Remember to educate yourself about your coverage and find out about Open Enrollment from your employer!
Aflac herein means American Family Life Assurance Company of Columbus and American Family Life Assurance Company of New York. Z161128C 10/16
I was selected for this opportunity as a member of CLEVER and the content and opinions expressed here are all my own.