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Flexible Spending Accounts (state and higher education employees)

Flexible spending accounts (FSAs) help make your money go farther. Here’s how they work:

State and higher education employees (excludes offline agencies) are eligible for FSAs. They help you decrease your taxable income and increase your take-home pay. It allows you to pay certain expenses from your pre-tax income rather than after-tax income. The maximum amount you can contribute to a FSA is set by the Internal Revenue Service (IRS). The limits are subject to change yearly.

Note: Flexible benefits for state and higher education employees are only available to benefits-eligible employees; part-time employees may not enroll in these benefits.

FSAs offered:
Medical

Used to pay for certain medical, dental, vision and prescription costs not covered by your insurance. You do NOT qualify for a medical FSA if you are enrolled in the CDHP/HSA. Up to $500 of your unused FSA balance can be carried over into the next plan year instead of you “losing it.”

Limited purpose

May only be used to pay for certain dental and vision costs not covered by insurance. For employees enrolled in the CDHP/HSA, the limited purpose FSA is a great way to save on vision and dental expenses while continuing to grow your HSA balance.

Dependent care

Used to pay for certain dependent-care costs, such as after school care, baby-sitting fees, adult or child daycare and preschool. Certain requirements must be met by the eligible employee and/or his or her spouse. For details, review the governing Plan Document located on the Benefits Administration publications webpage.

Availability of Funds

Employees who enroll in a medical FSA or L-FSA during annual enrollment will have their full election amount available to them the first week of January, or within approximately 3-4 weeks after they enroll. DC-FSA funds are only available as they are taken from your paycheck; your full election amount is not available up front. In addition, you may only file claims for dependent care for which you have a sufficient amount in your account to pay for them (i.e., you may not file claims for a future date).

Transportation and parking

Available to state employees only. Used to pay for certain work-related commuting and/or parking expenses.

2018 Contribution Limits

Please visit IRS.gov for more information.

Enrollment

State employees: To put money in a FSA, you must do so in Edison.

-Medical, limited purpose or dependent care FSAs: If you want your enrollment to continue, you must take action to reenroll each year during annual enrollment. Enrollment does not continue from year-to-year. You will enter your annual contribution in Edison. The system will calculate the amount to take out of each check based on the number of paychecks you receive each year.

-Transportation and parking: You do not have to reenroll, and employees can enroll at any time.

Higher education employees: For new hires, to put money in a FSA, you will do this on PayFlex’s website (stateoftn.payflexdirect.com).

CDHP Enrollment

If you are enrolled in a CDHP, you and your enrolled spouse cannot use a flexible spending account (FSA) for medical expenses. You can have a limited purpose FSA to use for dental and vision expenses. You should consider contributing the maximum allowed to your HSA before contributing to your limited purpose FSA because HSA dollars are not "use-it-or-lose-it" like an FSA.

PayFlex Debit Cards

You should keep all receipts, health insurance, dental insurance, and vision insurance explanation of benefits (EOBs) when using the debit card to pay for eligible healthcare expenses. PayFlex may contact you later and request them. If you cannot provide receipts and EOBs, use of your debit card may be suspended and you will be required to file paper claims or upload claims to PayFlex on their website for FSA or L-FSA processing.

PayFlex Accounts

If you enrolled in a medical or limited purpose FSA, you should go online at PayFlex to create an account and register your new debit card to pay many of your medical expenses that are not already covered by insurance. After you create your account you can review your claims activity, upload documentation, provide claims substantiation (if requested), order an additional debit card and see your account balances. Instructions for setting up your PayFlex account can be found here.

If you are enrolled in a dependent care FSA only, you cannot use a debit card, but you can create an online PayFlex account in order to see your DC-FSA account balance, claims, and activity. Instructions for setting up your PayFlex account are here.

You can order an additional PayFlex Card, your account debit card, once you log in at Payflex. New users will need to register first by clicking on the “Register Now” button. From the employee portal, look for “Quick Links” and click on “Manage My Debit Card(s).” Click on the button labeled “Order a Dependent Card” and enter the spouse or dependent name and click submit.

Reimbursements

Please click here for instructions on how to receive reimbursements for 2018 claims for your medical, limited purpose, dependent care and transportation and parking.

Note: In 2018, PayFlex will continue to manage medical, limited purpose and dependent care FSA programs. Benefits Administration will continue to manage transportation and parking flexible benefits (for state employees only).

Benefits Administration Resources

Questions and answers
Quick facts

PayFlex Resources

Higher education guide to online enrollment
Welcome
Why enroll in a FSA
Quick reference guide
Limited purpose FSA flier
PayFlex debit card flier
Keep your card active