In retrospect this is probably what I should have done. edit: but the thing was, I trust them to give me good advice. The HR providers. I figured, well if they

In retrospect this is probably what I should have done. edit: but the thing was, I trust them to give me good advice. The HR providers. I figured, well if they haven't said anything about deferred payments, it might not be applicable to my situation so I never brought it up...