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A Flexible Benefits Plan Helps Your Paycheck Buy More!

Sometimes referred to as a cafeteria plan, flex plan, or a Section 125 plan -- a Flexible Benefits Plan lets you set aside a certain amount of your paycheck into an account -- before paying income taxes. During the year you have access to this account for reimbursement of expenses you regularly pay for, such as healthcare and daycare. When you use tax-free dollars to pay for these expenses, you realize an increase in your spending power, and substantial tax savings.

Reimbursable expenses can include:

• Health & other insurance premiums
• Deductibles and copays
• Prescription drugs
• Chiropractic services
• Dental and orthodontics
• Eyeglasses, contacts, solutions & eye surgery
• Adult & child daycare
• NEW! Over-the-counter drugs that are medically necessary like allergy medications, aspirin, or antacids.
• And much more ... !

Here's how it works...

EXAMPLE: An employee makes $2,000 each month and decides to participate in her employer's Flexible Benefits Plan. As a result, her insurance premiums and health and daycare expenses are paid with tax-free dollars, giving her an additional $100 each month!

There are several options you can select with the Flexible Benefits Plan.

1. Healthcare Reimbursement Account (HRAs)
   
   This account reimburses you for healthcare expenses not covered by insurance. You set aside money, tax-free, through regular payroll deductions. During the year, you can be reimbursed directly from your account for those qualified healthcare expenses provided that they are not covered by insurance.
   
   Common expenses that qualify for reimbursement are - doctor visits, deductibles, co-payments, prescriptions, mental health care, dental services and orthodontics, chiropractic services, eye exams, glasses and contacts.
2. Dependent Care Reimbursement Account
   
   This account reimburses you for daycare expenses for eligible children and adults. Through regular payroll deductions, you set aside part of your income to pay for these expenses on a tax-free basis.
   To qualify, your dependents must be:
• A child under the age of 13, or
• A child, spouse or other dependent who is physically or mentally incapable of self-care and spends at least 8 hours a day in your household.

Please note: A dependent care credit is available on your annual tax return. Whether or not to participate in the daycare portion of this plan depends on your income, filing status, number of dependents and annual daycare expenses. You will also receive your tax savings throughout the year, rather than once a year when you file your taxes.

3. Flex Convenience Card*
   Interested in a smart way to save time and money? *If your employer allows, this option affords you easier access to the pre-tax dollars set aside in your account to cover qualified medical or daycare care expenses under the plan guidelines.
4. Premium Savings Account
   This account allows you to pay for your employer-provided health and other insurance premiums with tax-free dollars. If you are covered under your employer's health and/or other insurance plans, you are automatically enrolled in this account! Be sure to let your employer know if you don't want your premiums paid tax-free.

Determine Your Reimbursable Expenses

By completing the following information you can calculate your annual reimbursable expenses. Take into consideration the services to be provided during the upcoming plan year for you and your dependents.

*Plan restrictions may apply. Check with your plan administrator.