Every year, millions of people leave money unclaimed.
Not through carelessness. Not because they don’t need it. Because the system wasn’t designed to make it easy to find — and nobody clearly explained what they’re entitled to.
Health benefits are one of the biggest areas where this happens. Employer plans with coverage people never use. Government programs people didn’t know they qualified for. Tax credits that go unclaimed. Dental and vision benefits that expire unused.
If you have any kind of health coverage — there’s a good chance you’re not getting everything you’re entitled to. That’s where AI helps.
What this is
A simple way to use AI to understand your health benefits — so you know what’s covered, what you can claim, and what questions to ask before the year runs out.
Try this
Open ChatGPT, Claude, or any AI tool and paste this:
What you’ll actually get back
Here’s a real example.
Someone had been on their employer plan for three years. They only used it for prescriptions. They asked AI what they might be missing.
What came back: a health spending account they’d never used, unused dental coverage that resets annually, vision coverage for glasses and exams, paramedical coverage including physiotherapy and massage, an employee assistance program with free counselling, and a wellness reimbursement for gym memberships.
They called HR. Every single one was real. They’d been leaving hundreds of dollars unused every year.
What to check in your employer plan
Health spending account — Often a fixed yearly amount for flexible use. Many expire at year-end.
Dental coverage — Most plans reset in January. If you’ve been putting off a checkup or dental work, book before the year ends.
Vision coverage — Eye exams and contributions toward glasses or contacts are often annual and go unused if you don’t claim them.
Paramedical coverage — Physiotherapy, massage therapy, chiropractic care, psychology, and other paramedical services are included in many employer plans. Check how many sessions remain.
Employee assistance program — If your employer has an EAP, it typically includes free counselling sessions, legal consultations, and financial advice. These often don’t carry forward.
Wellness benefits — Some plans reimburse gym memberships, fitness equipment, mental health apps, or wellness programs. Check whether yours does and whether there’s an unclaimed amount.
What to check in government programs
Common areas include prescription coverage programs, dental and vision programs, mental health services, disability supports, low-income supplements, and caregiver benefits. Eligibility often depends on income, age, and employment status.
Tax credits and deductions
Many people overpay taxes simply because they don’t claim what they can.
Commonly missed items include medical expenses, dental work, glasses, disability credits, caregiver credits, and insurance premiums.
Before the year ends
Most benefits reset annually. Ask AI:
Check unused spending accounts, dental not yet used, vision unused, paramedical sessions remaining, and wellness claims not yet submitted.
If you’re not sure what you have
Start here:
That alone often uncovers everything.
Important note
AI helps you understand, identify, and prepare. But it does not know your exact plan. Always confirm with HR, your provider, or your plan documents.
The benefits you haven’t claimed yet
If you haven’t reviewed your benefits recently — this is the moment. Describe your situation. Ask what you’re missing. Ask what to check. You may find more than you expect.
What to read next
→ How to Use AI Before a Banking or Financial Appointment
→ How to Use AI to Understand Government Benefits
→ End of Year Benefits and Money Checklist
→ Or visit the Decision Hub for all decision-prep guides in one place