Employee Assistance Program (EAP) Coverage
Your employer might be offering free therapy sessions that you're not using. Employee Assistance Programs (EAPs) are one of the most underutilized benefits in the workplace. As a Seattle therapist based in Ballard, let me explain how EAPs work, their benefits and limitations, and how you might use them as part of your mental health strategy, even though I don't directly accept EAP referrals.
Understanding Employee Assistance Programs
What Is an EAP?
Employee Assistance Programs are employer-sponsored benefits providing free, confidential support for personal or work-related problems. They typically offer:
Short-term counseling (3-8 sessions)
24/7 crisis hotlines
Work-life balance resources
Legal consultations
Financial planning assistance
Referrals for ongoing care
How Common Are They?
Widespread but Underused:
97% of large employers offer EAPs
75% of mid-size companies have them
Only 3-7% of employees use them
Many don't know they exist
Free benefit going unused
How EAP Therapy Works
The Typical Process
Find Your EAP Information
Check employee handbook
HR website or intranet
Benefits packet
Ask HR directly
Look for posters/cards
Contact EAP Provider
Usually 800-number
Available 24/7
Brief phone assessment
Identify your needs
Get matched with counselor
Receive Authorization
Number of sessions approved (typically 3-8)
List of participating providers
Reference number
Instructions for scheduling
Attend Sessions
No cost to you
Completely confidential
Short-term focused
Specific issue targeted
Transition Planning
Assessment near final session
Referrals if needed
Resources provided
Ongoing care options
Confidentiality Protections
Critical to Understand:
Employer does NOT know who uses EAP
No information shared without consent
Only aggregate usage reported
Protected like any healthcare
Separate from work records
Benefits of EAP Services
Immediate Access
No Waiting:
Available within days
Crisis support 24/7
No insurance hassles
No paperwork
Quick intervention
Convenient Options:
Phone counseling
Video sessions
In-person meetings
Flexible scheduling
Multiple modalities
Zero Cost
Completely Free:
Employer pays entirely
No copays
No deductibles
No surprise bills
Travel may be covered
Low Barrier Entry
Easy to Start:
No diagnosis needed
No referral required
Brief assessment only
Choose your issue
Anonymous if desired
Limitations of EAP Services
Brief Treatment Model
Session Limits:
Usually 3-8 sessions per issue
Per year or per incident
May not be enough
Band-aid vs. treatment
Surface-level work
Generalist Providers
May Lack Specialization:
Cover all issues broadly
Limited trauma training
Basic approaches
High caseloads
Less continuity
Scope Restrictions
Common Exclusions:
Long-term therapy
Specialized treatments (EMDR)
Complex mental health
Personality disorders
Intensive work
When EAPs Work Well
Ideal Situations
Acute Stress:
Work conflict
Recent loss
Life transition
Decision-making
Adjustment issues
Specific Problems:
Sleep difficulties
Communication skills
Stress management
Grief support
Parenting challenges
Crisis Stabilization:
Immediate support needed
Safety planning
Resource connection
Short-term coping
Bridge to care
As Entry Point
EAPs can be excellent for:
Overcoming hesitation
Testing the waters
Getting unstuck
Identifying needs
Why I Don't Accept EAP
Specialization Focus
My practice focuses on:
Complex trauma
Long-term work
Specialized approaches
Depth processes
Integrated treatment
These don't fit EAP's brief model.
Administrative Burden
EAP participation requires:
Extensive paperwork
Multiple authorizations
Session limits
Reporting requirements
Network constraints
This time is better spent on clinical work.
Treatment Philosophy
I believe in:
Organic treatment length
Deep, lasting change
Specialized expertise
Long-term relationships
Comprehensive care
EAP's brief model conflicts with this.
Using EAP Strategically
Combination Approach
Smart Strategy:
Use EAP sessions first
Assess your needs
Get stabilized
Transition to specialized care
Maximize all benefits
What to Discuss in EAP
Make Most of Limited Sessions:
Clarify main concerns
Get coping strategies
Assess need for ongoing therapy
Obtain referrals
Create action plan
Questions for EAP Therapist
What would ongoing therapy look like?
What type of specialist might help?
What should I look for?
How do I transition?
What resources exist?
Transitioning from EAP
When You Need More
Signs EAP Isn't Enough:
Issues too complex
Need specialized treatment
Require longer-term work
Want deeper exploration
Limited progress made
Making the Shift
Smooth Transition:
Use EAP fully first
Get therapist recommendations
Request records transfer
Plan overlap if needed
Maintain momentum
Financial Planning
After EAP:
Regular therapy costs
Insurance benefits
HSA/FSA use
Budget planning
Investment mindset
Common EAP Providers
Major Companies
National Networks:
Lyra Health
Spring Health
BetterHelp for Business
Talkspace for Business
ComPsych
Workplace Options
Cigna EAP
Each has different:
Session limits
Provider networks
Specialties available
Access methods
Additional services
Checking Quality
Ask About:
Provider qualifications
Specialization matching
Session availability
Continuity options
Transition support
EAP for Family Members
Often Included
Many EAPs cover:
Spouse/partners
Dependent children
Household members
Parents sometimes
Varies by plan
Separate Issues
Each person typically gets:
Own session allocation
Individual assessment
Private treatment
Separate authorization
Independent care
Maximizing Your Benefits
Annual Reset
Strategic Use:
Sessions refresh yearly
Different issues qualify
Plan usage wisely
Don't let expire
Check renewal date
Multiple Issues
Some EAPs allow:
Work stress (6 sessions)
Plus grief (6 sessions)
Plus parenting (6 sessions)
Read fine print
Ask directly
Beyond Counseling
Remember other services:
Legal consultation
Financial planning
Work-life balance
Eldercare resources
Manager consultation
Making the Decision
Use EAP When
Facing immediate stress
Need quick support
Want to try therapy
Have specific issue
Seeking resources
Skip EAP When
Need specialized treatment
Require long-term work
Have complex trauma
Want specific approach
Know your needs
Coordinating Care
If Using Both
Some clients:
Start with EAP
Transition to specialized
Use EAP for crises
Maintain primary therapist
Coordinate care
Communication
With consent:
Providers can coordinate
Share relevant info
Avoid duplication
Support transitions
Maintain continuity
Your Next Steps
Check EAP Benefits
Contact HR
Review materials
Note limitations
Save information
Assess Your Needs
Short-term or long?
General or specialized?
Crisis or ongoing?
Match to resources
Plan Strategically
Use free benefits
Prepare for transition
Budget if needed
Maximize resources
Working with Me
While I don't accept EAP:
Happy to consult after
Can receive your records
Build on EAP work
Provide specialized care
Support your journey
During our consultation, mention:
Previous EAP use
What helped/didn't
Ongoing needs
Transition goals
Questions you have
EAP can be an excellent first step. Use it wisely, then invest in specialized care when ready.
