Employer benefits scenario

AA,

we have a mandatory employee benefits package. As part of this package:

  • employee has to pay premiums for long-term and short-term disability coverage. This is mandatory and there is no opt-out
  • employer pays premiums for other insurance coverage (life, some health, some dental, etc)
  • we get some flex credits that we can allocate towards either increased insurance coverage (e.g. better dental plan), or towards a general health account or other account to get reimbursements for certain types of expenses

I wanted to know if it is okay to avail of the benefits in this scenario? We do have to pay for disability insurance premiums which is mandatory, but everything else is free to the employee.