Originally Posted by
AD2k
Thanks for this thread. First time DM for 2020. To better understand the statement, "Do I have to choose all the benefits at the same time? (NO)". So the optimal strategy permitted by the rules is to choose two of your three benefits today and wait until later (but no later than Jan, 31 2021) to select your RUC or GUC (since I have unsed RUC from last year)?
Selecting certs or vouchers should ideally be deferred as long as possible since they expire one year from selection.
For all the other choices, you *could* select them today, but unless you have an immediate need, arguably you should wait also in case your situation changes throughout the year and you may end up wishing you still had a selection in play.
That consideration aside, if you *know* you want one of the other choices, then generally better to select earlier since there is no advantage to waiting other than optionality.