Personally, I chose long term disability.. Never realalistcly thinking I would need it until I was OLD...But with cancer, it has come in really well. Both may be something you never need, but the LTD carries thru until your are older, and want to stay in your own home. A n HSA is a good thing as long as you only put enough in to cover your yearly expenses. (chsrged outside of insurance coverage)It is tax free. But, if you do not use it all. I believe you will lose it. Careful planning can definately save you some money!!! So, think about any deductibles you will be paying, and try not to contribute anymore. Just my opinion.... Those in the know..Please let us know!