HR Speak is Confusing. It’s a whole different language full of options, but never advice.
My particular HR person at work is very good but still is not legally allowed to tell me what options I SHOULD choose, or even what would most benefit me, only what options there are available. Unfortunately, even she gets confused wading through the company benefits, VS the California state options VS the federal options sometimes. Especially since our home office is across the country from where I am located, and laws are different in many states.