Just wanted to remind those who are going through open enrollment right now that your disability costs often can be counted as part of your medical reimbursement. This includes costs for obtaining, feeding, and caring for a guide dog; purchasing specialized equipment or aids for your vision problem (I've used it to purchase a victor reader for instance), and of course glasses and other vision aids, as well as normal medical costs such as medicines, doctor appointments, dental care, etc (you cannot count the cost of your monthly insurance premium, but you can count any co-pay costs when you visit a doctor). Don't just dismiss this without giving it some thought; it allows you to get an approximate 20 to 25 percent discount on all of these items, and when you add them all up, they can easily be in the thousands of dollars. Any money you don't use for yourself can be used for similar costs of your spouse or other dependents. There is a $2500 limit this year. It's an easy system to use; you are provided with a special debit card which is used to make payments for covered costs in place of using your normal debit or credit card.