Flexible Spending Accounts

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Benefit Eligibility = 0.4 FTE or greater

You have the opportunity to participate in two pre-tax flexible spending accounts: Health Care Flexible Spending Account (HCFSA) and the Dependent Care Flexible Spending Account (DCFSA). These accounts offer you a tax-free way to pay for qualified expenses not covered by insurance. Because the dollars you place in these accounts are taken out of your pay before taxes, you lower your taxable income, saving you money.

Each year you may elect to place a designated amount of pre-tax dollars in your flexible spending account(s). In 2020, you may contribute up to the IRS limit of $2,750 for medical and $5,000 for dependent care. The dollars you place in these accounts will be deducted from each of your 26 paychecks during the calendar year.

When you submit proof of an eligible expense, you will be reimbursed from your account. Changes to your deduction amounts can only be made when there is a qualifying status change, and you must re-enroll each year during the open enrollment period to participate in the next plan year.

It is important that you carefully choose how much to elect for each flexible account. If the amount you elect for a flexible spending account exceeds your properly submitted eligible expenses for the plan year, the excess amount will be forfeited. It cannot be rolled over or distributed. This is known as the "use it or lose it rule."

Grace and Run Out Periods

For active employees: You have until June 15 following the plan year in which you contributed to an FSA to submit reimbursement claims for services and eligible expenses incurred during that plan year and the 2 ½ month grace period that ends on March 15 following that plan year.

If you participate in an FSA two years in a row, any claims that you incur during the grace period (January 1 to March 15) and submit by June 15 will first be applied to your FSA balance for prior plan year, if available. For terminated employees: You have 30 days following your plan termination date to submit claims for expenses incurred prior to your plan termination date.