FAQs

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Dependent Care

Q: Whose expenses qualify under my Dependent Care (DCAP) FSA?

A: Your work related expenses must be for the care of one or more members of your home who are qualifying persons. You must provide over ½ of the qualifying person’s support. The qualifying person cannot have income in excess of code 151(d) of the Federal exemption amount.

A Qualifying Dependent is:

  • Your qualifying child under the age of 13, who shares the same residence with you, or
  • Your spouse or qualifying child or qualifying relative who is physically or mentally unable to care for him/herself who shares the same residence with you and has income less than code 151 (d) of the Federal exemption amount.

If you are divorced, you must have physical custody of your child for over half of the year, in order to be eligible for reimbursements through your flexible spending account.

Physical or mental incapacity must be disabling. Persons who are not able to dress, clean or feed themselves because of physical or mental problems are considered unable to care for themselves. Persons with mental defects who require constant attention to prevent them from injuring themselves or others are considered unable to care for themselves.

Q: Does my dependent care provider have to be a licensed day care center?

A: Your dependent care provider does not have to be licensed, unless they care for enough individuals to require licensing in your State. They must provide you with their Tax ID Number or Social Security Number. The care provider cannot be a relative of yours that lives in the same household or your dependent that is under the age of 19 (even if they don’t live in the same household).

Q: Why do I have to sign my claim form?

A: The regulations provided by the Internal Revenue Code require that a participant provide a statement, with each reimbursement request, that reimbursement will not be sought from another party.

Q: What documentation do I have to submit with my DCAP claim form?

A: Each item claimed must be supported by a statement of services from an independent provider. Documentation must contain the following information in order for payment to be issued:

  • the provider of services;
  • the person obtaining the care;
  • the date(s) of service;
  • the amount charged for the services; and
  • a general description of the services provided.

In lieu of documentation from the provider that includes this information, you may have your care provider sign the BeneFLEX claim form. If the signature of the provider is included, no additional documentation will be required.

Q: Do I have to provide proof of payment with my claim form?

A: No. The Internal Revenue Code does not require proof of payment prior to submitting the items claimed.

Q: Can I fax my claims, and, if so, to what phone number?

A: Yes, you may fax your claims. BeneFLEX’s fax number for claim submissions is (314) 909-6983.

Q: Can I email my claims?

A: Yes, you may email your claims to info@beneflexhr.com

Q: What is the mailing address for mailing my claims?

A: BeneFLEX’s mailing address for claims is:

BeneFLEX HR Resources Inc.
10805 Sunset Office Drive, Suite 401
St. Louis, MO 63127

Q: Where do I get more claim forms?

A: You may make copies of a blank claim form or download additional forms under EMPLOYEES, Printable Forms. You may also call BeneFLEX toll-free at (800) 631-3539 or 314-909-6979 in the St. Louis area and request additional claim forms.

Q: How often are claim payments released?

A: BeneFLEX releases payments weekly. To make every effort you are reimbursed, all claims must be received by BeneFLEX Resources, Inc. no later than 3:00 p.m. (central) Tuesday for weekly processing (Holiday processing may vary). Please refer to your Summary Plan Description for specifics relating to your plan.

Q: Are the direct deposits to my bank account effective, with my bank, the same day the claim is processed?

A: No. Federal banking regulations do not allow the deposit to be effective the day the deposit is generated by BeneFLEX. Therefore, the effective date of the deposit is usually the banking day following the release of payment of the claim by BeneFLEX.

Q: When can I begin filing claims against my Flexible Spending Account?

A: You may file claims as soon as you incur charges (have services provided) after the plan year has begun.

Q: Can I use my Benny Card for Dependent Care (DCAP) FSA Expenses?

A: No, IRS Regulations make it difficult for the Debit Card to work with DCAP expenses.

Q: How often can I submit claims?

A: You may submit claims as frequently, or as infrequently, as you prefer. You do have to file at least one claim each year prior to the claims filing deadline established by your plan.

Q: Is there a minimum claim amount?

A: No, BeneFLEX does not have a minimum claim amount. Reimbursements will be disbursed up to your available funds for all valid claim submissions.

Q: What does “incurred” mean?

A: Incurred is defined in Internal Revenue Code Section 125 as the date that that the services are provided that gave rise to the expense. Expenses are not considered to be provided at the time you are billed for or pay for the services. For the Dependent Care FSA program, this means that if you pay for your services in advance, you cannot claim these expenses until they have all been provided. For example, if you pay for February’s day care expenses at the beginning of February, you cannot be reimbursed for all of February’s expenses until the end of February. You may, however, submit claims each week, at the end of that week, for the services.

Q: How long does my authorization for direct deposit remain in effect with BeneFLEX?

A: Your authorization for direct deposit remains in effect with BeneFLEX until you change or revoke that authorization. BeneFLEX does retain direct deposit information from Plan Year to Plan Year unless notified of a change by the participant. BeneFLEX reserves the right to reverse any incorrect direct deposits on the rare occasion they may occur.

Q: How do I change the account number or institution into which BeneFLEX deposits my reimbursements?

A: Complete and sign the Direct Deposit Deposit Form. You are welcome to mail them to:

BeneFLEX HR Resources Inc.
10805 Sunset Office Drive, Suite 401
St. Louis, MO 63127
or fax the form to BeneFLEX at (314) 909-6983.

Q: Does my employer notify BeneFLEX when I change my bank account number for direct deposit for payroll?

A: No. You are responsible for notifying BeneFLEX of any changes required for direct deposit of your FSA claims.

Q: How do I know if my claim form was received?

A: When you email your claims to info@beneflexhr.com you will get an email reply letting you know we received your email. You can also view all claims processed by BeneFLEX on our website, just follow the prompts to view your account. BeneFLEX customer service representatives are available to assist you Monday through Friday from 7 a.m. to 6 p.m. central standard time.

Q: How can I check on my remaining balance?

A: You may view your remaining balance and account activity on BeneFLEX’s website under EMPLOYEES, Employee Log-in; or via the BeneFlexHR mobile app. A participant may also call BeneFLEX’s Interactive Voice Response (IVR) at 1-866-966-2721 to obtain the account balance.

Q: Do Kindergarten charges qualify for my Dependent Care (DCAP) FSA?

A: No. Expenses for education do not qualify for your Dependent Care FSA. However, if you are charged for “after-care” for the portion of the day that your child attends the school that is charged for care and well-being, this charge does qualify for the Dependent Care FSA. Your provider must provide you with support for the charges for the portion that is specifically for care and well-being.

Q: Can I change my election amount after the plan starts?

A: Except as specified in this section, your election under the Plan is irrevocable for the Plan Year. These are the changes generally allowed. You may change your election if you, your spouse, or a dependent experience an event listed below which results in a gain or loss of eligibility for coverage under the Dependent Care Flexible Spending Account or a similar plan maintained by your spouse’s employer or one of your dependent’s employer and your desired election change corresponds with that gain or loss of coverage.

  1. Your legal marital status changes through marriage, divorce, death or annulment.
  2. If your child no longer qualifies for dependent care because he or she turned 13, then that is a loss of a dependent under the Dependent Care Flexible Spending Account plan.
  3. You, your spouse or any of your dependents have a change in employment status that affects eligibility under the Dependent Care FSA. If you terminate or take a leave of absence from your employer, then you must be gone at least 31 days for termination or leave of absence to qualify.
  4. You, your spouse, or one of your dependents changes residence that causes a gain or loss of eligibility and coverage under the Dependent Care FSA.
  5. Applies to DCAP FSA Only: You change dependent care providers (including school or other free provider). You may make a corresponding change to your Dependent Care Flexible Spending Account and your future salary reductions if you change dependent care providers.
  6. Applies to DCAP FSA Only: You may make a corresponding change to your Dependent Care Flexible Spending Account and your future salary reductions if your dependent care provider who is not your relative changes your costs significantly. A relative is any person who is a relative according to Code §152(a)(1) through (8), incorporating the rules of Code §152(b)(1) and (2). The election change request must be filed within 31 days of the date of the qualifying event and becomes effective on the 1st of the month following the event and the approval of the request. (The filing deadline & effective dates stated here are again, generic and may differ from specific plan to plan. Please refer to your Summary Plan Description.) Your Salary Reduction amount for a pay period is, an amount equal to the annual contribution for your Dependent Care FSA election, divided by the number of pay periods in the Plan Year following your effective date. If you increase an election under the Dependent Care Flexible Flexible Spending Account, your Salary Reductions per pay period will be an amount equal to your new reimbursement limit elected less the Salary Reductions made prior to such election change, divided by the number of pay periods remaining in the Plan Year beginning with the election change effective date. Any increase in your election may include only those expenses that are incurred during the period of coverage on or after the effective date of the increase. Your coverage for the remaining period of the year shall be calculated by adding the amount of contributions made prior to the change to the expected contributions after the effective date of the change and subtracting prior reimbursements.

Q: Can I claim dependent care expenses under my Dependent Care (DCAP) Flexible Spending Account after my child turns 13 years old?

A: Expenses for dependent care no longer qualify for the Dependent Care FSA on the day your child turns age 13 unless they have been certified as incapable of self-care. Care for dependents incapable of self-care qualifies to any age as long as it is for care and well-being while you are working, looking for work, or attending school full-time.

Q: Do charges for food, transportation, activity fees, etc. qualify for reimbursement from my Dependent Care (DCAP) FSA?

A: No. Only charges for care and well-being in order for you to work, look for work, or attend school full-time qualify for your Dependent Care DCAP FSA. Separately billed charges for food, transportation, activity fees, etc. do not qualify.

Q: If I pay my dependent care provider in advance of the services, can I file my claim when I pay?

A: You may file the claim, but you will not be reimbursed until the service has been rendered.

Q: Do summer camps that include an overnight stay qualify for my Dependent Care (DCAP) FSA?

A: No. The Internal Revenue Code disqualifies expenses that include overnight care. The charges cannot be prorated to include the portion that was for care during the day while you were working.

Q: Does summer school tuition qualify for my Dependent Care (DCAP) FSA?

A: No. The Internal Revenue Code does not allow the tax exemption on expenses incurred for education.

Q: Do soccer, baseball, football, gymnastics, ballet, etc. day camps qualify for my Dependent Care (DCAP) FSA?

A: Generally, no. However, if the primary purpose of these camps is for care and well-being in order for you (or you and your spouse if married) to be gainfully employed, or attending school full-time they may qualify. If for care and well-being, you must send a statement, with each claim submitted, stating that child attends that camp primary for care and well-being and not for educational purposes. Overnight camps are not eligible for reimbursement.

COBRA

Q: What types of services does BeneFLEX have to offer?

A: BeneFLEX provides full service POP Plans, FSA, HRA, LFSA, LHRA, HSA, TMA, and COBRA Administration.

Q: What is COBRA?

A: COBRA is the Consolidated Omnibus Budget Reconciliation Act passed by Congress in 1986.

Q: What does COBRA do?

A: COBRA provides a continuation of group health insurance coverage for qualified beneficiaries. A qualified beneficiary is a former employee, retiree, spouse, former spouse, or dependent child.

Q: Which employers are subject to COBRA?

A: Any employer who offers a group health plan and has 20 or more employees is subject to COBRA. Generally, a group health plan satisfies two criteria: 1) Provides medical care; 2) It is maintained by the employer.

Q: How does a person become eligible for COBRA coverage?

A: A person must have been enrolled in the employer’s health insurance plan and the plan must continue to be in effect for active employees. COBRA is available upon a qualifying event, which causes a qualified beneficiary to lose coverage.

Q: How long does the employer have to notify the Plan Administrator of a qualifying event?

A: An employer has 30 days after an employee’s termination, death, reduction of hours, or eligibility for Medicare to notify the Plan Administrator. Once the plan administrator is notified, the plan administrator has 14 days to send out the COBRA notification.

Q: How long does a qualified beneficiary have to elect COBRA coverage?

A: The qualified beneficiary has 60 days to elect coverage.

Q: When does COBRA coverage begin?

A: COBRA begins on the day the qualified beneficiary loses coverage.

Q: What is the cost of COBRA coverage?

A: Normally, a qualified beneficiary will have to pay the entire cost of the premiums. The premium has a 2% administrative fee added on and is collected and retained by BeneFLEX.

Q: How long may a qualified beneficiary stay on COBRA?

A: A qualified beneficiary may be covered under COBRA for up to 18 months for termination of employment or reduction of hours. Disability may extend COBRA for a qualified beneficiary for an additional 11 months. A qualified beneficiary is allowed 36 months of COBRA coverage for the death of the employee, divorce or legal separation, loss of dependent status, or employee’s entitlement to Medicare.

Q: If an employer offers a Flexible Spending Account Plan, does it have to be offered under COBRA?

A: COBRA must be offered if a participant has contributed more than they spent out of their FSA account.

Q: If an employer offers a Health Reimbursement Arrangement, does it have to be offered under COBRA?

A: Yes, a qualified beneficiary has to be offered the same coverage as before the qualifying event.

Q: Is a qualified beneficiary allowed to make changes to their coverage?

A: A qualified beneficiary is allowed to make changes during an open enrollment period. Open enrollment materials must be distributed to all COBRA participants.

Q: What is the Initial General Notice?

A: Employers or Plan Administrators must provide an Initial General Notice to all of the qualified beneficiaries if they are entitled to COBRA. The Initial General Notice is usually sent when the participant is enrolled under the plan.

Q: What if the client has different levels of benefits?

A: BeneFLEX uses a program which has the ability to manage many levels of benefits and rate structures.

Q: How does a client report a termination to BeneFLEX?

A: The administrator completes the online transmittal form.

Q: Does BeneFLEX take care of terminating or adding qualified beneficiaries with the Health Insurance Carrier?

A: No, it is the employer’s responsibility to terminate or add qualified beneficiaries with the Health Insurance Carrier. When BeneFLEX receives the enrollment form along with payment from the Qualified Beneficiary, we notify the employer to have them reinstated.

Q: What types of reports are furnished to the client?

A: The employer receives reports once a month showing the status of all participants. The reports show if a Qualified Beneficiary is pending, active, or terminated from coverage. It also shows if Qualified Beneficiaries are current on their premium payments. These reports should be used as a reconciliation tool to ensure BeneFLEX has received all forms transmitted.

Q: Does BeneFLEX collect the premiums?

A: Yes, BeneFLEX will collect and track the premium payments from the participants. BeneFLEX will send the premium payments to the client once a month.

Q: What are the qualifications of the COBRA team?

A: BeneFLEX has a team of five individuals including a supervisor with over ten years of COBRA experience and a department manager with seven years of COBRA experience.

Q: What compliance resources does BeneFLEX utilize to maintain your tax incentive programs?

A: We utilize our sister accounting firm Schmersahl Treloar & Co., the EBIA, and the ECFC.

Medical FSA

A medical spending account allows the employee to set aside before-tax dollars to pay for medical expenses that are not paid by insurance, the employer, or reimbursed by any other source. The annual election maximum is based on the plan’s design. The annual election that the employee determines is irrevocable once the employer’s open enrollment period is over unless your plan allows for a status change. Expenses must be requested for reimbursement for services within the plan year and/or while actively participating in the plan. IRS rules do not permit a refund of any unused funds that remain in your Medical FSA at the end of a plan year. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: How does the Medical FSA Work?

A: Your employer will establish a Medical FSA on your behalf. The amount that you elect to contribute for the plan year will be available immediately in your account, but your election will be divided out and deducted, pre-tax, from each paycheck throughout the entire plan year. As you incur eligible expenses you will submit a claim to draw funds from your account. Paying for healthcare expenses on a pre-tax basis means your taxable income is lower and, consequently, your taxes are lower.

Q: What are examples of eligible medical expenses that qualify for reimbursement from the Medical FSA?

A: Eligible expenses must qualify as a medical deduction under Internal Revenue Service rules (Section 213(d)). Sample healthcare expenses include deductibles, co-pays, eyeglasses, contact lenses, prescriptions, over-the-counter supply items eligible without a Dr.’s RX, and over-the-counter drugs that require a Dr.’s RX, chiropractic care, therapy and corrective eye surgery (i.e. Lasik).

Q: Can I use the Medical FSA for my family’s healthcare expenses?

A: Eligible healthcare expenses incurred by you, your spouse, or any dependent that you may claim as a dependent on your income tax returns are allowed for reimbursement, even if you or your dependents do not participate in your employer’s Health Insurance plan.

Q: What do I submit to get reimbursed for qualifying Medical expenses?

A: To draw funds from your Medical FSA, you may submit a claim online or via our mobile app. You also may fill out a paper claim form and submit via email, mail, or fax. You will need to send necessary substantiation documentation for your claim. Upon receipt and review of the claim, BeneFLEX will reimburse you from your spending account for your qualified expenses.

Q: What happens if I don’t incur enough eligible expenses during the plan year to claim reimbursement of all the money I have contributed to the Medical FSA?

A: Carefully review your estimated expenses before making the decision to participate. Any contributions that are not used during the plan year may not be paid to you in cash.

Q: If I contribute to our Medical FSA, does it affect my ability to take advantage of the Medical Expenses Tax Deduction on my personal income tax filing?

A: Expenses that are reimbursed through the Medical FSA cannot be used as deductible expenses when filing your personal income taxes. However, the Medical FSA provides you with a better way of saving taxes on health related expenses, even if the expenses do not exceed the 7.5% of your gross income as is required to claim them as a deduction on your personal income tax return.

Q: What happens if I terminate employment?

A: If you terminate employment, your participation in the Medical FSA will automatically terminate. However, you can receive reimbursement for eligible healthcare expenses incurred prior to termination. If coverage would otherwise end due to a qualifying event as outlined in the COBRA laws, you and your covered spouse and dependents may be able to continue participation in the plan on an after tax-basis. Your benefits administrator will provide you with information on how to continue coverage under the Medical FSA, if this is appropriate.

Important to know…

Money you choose to put into this account is only available for expenses incurred during the plan year.

The elections you make for this account during enrollment are your elections for the entire plan year. You may change them only if your plan allows for a qualified change in status. Please refer to your summary plan description.

The money you elect to put into this account must only be used for eligible medical expenses for you or your dependents. For example, you cannot have daycare expenses reimbursed from this account because this account is designated for medical expenses only.

The money you elect to put into this account is available at the beginning of the plan year, but paycheck deductions to fund the account are spread throughout the year.

The Benny Card

Q: How does the Medical FSA Work with a Benny Card?

A: It works like a Mastercard®, with the value of your account contribution stored on it. When you have qualified eligible healthcare expenses at a business that accepts Mastercard®, simply use your Benny Card. The amount of your qualified purchases will be deducted automatically from your FSA (Flexible Spending Account) and the pre tax dollars will be electronically transferred to the provider/merchant for immediate payment.

Q: How does the Benny Card change how I am reimbursed for expenses?

A: Before the Benny Card, your were required to pay for your eligible expenses at the time of the purchase, then submit claim forms along with all receipts. A check was issued, mailed to you, and then you cashed the check. With the Benny Card, you simply swipe the card and the funds are automatically deducted from your employee benefit account for payment. The Benny Card eliminates most out-of-pocket cash outlays, paperwork, and the need to wait for reimbursement checks.

Q: Is this just like other Mastercard® Cards?

A: The Benny Card is a special Mastercard® Card, but only for qualified expenses. There are no monthly bills and no finance charges.

Q: Do I need a new Benny Card each year?

A: No, each year your Benny Card will be loaded with you new annual election amount at the start of each plan year. Your Benny Card is good for 5 years.

Q: What if I lose my Benny Card or need another one?

A: You’ll receive two Benny Cards. You may request a 3rd card or replacement card through BeneFLEX. The additional/replacement card is $10.00, which may be deducted directly from your pre-tax account.

Q: How do I activate the Benny Card?

A: Call toll-free, 1-866-898-9795.

Q: Where can I use my Benny Card?

A: Doctor, Dentist, Chiropractor, Hospital, Pharmacy, and more…

Q: Are there places the Benny Card will not be accepted?

A: Yes. Examples include department stores, hardware stores, restaurants, bookstores, gas stations, and home improvement stores. The card will not work at discount stores, grocery stores or pharmacies that have not implemented the IIAS system.

Q: If asked, should I select “Debit” or “Credit”?

A: The Benny Card is a stored-value card. You may choose “credit” and sign the receipt, or you may choose “debit” if you have set up the 4-digit PIN#.

Q: Can I use the Benny Card if I receive a statement with a Patient Due Balance for Medical Service?

A: Yes, if the expense occurred during the current plan year. Be sure you have money in your account for the balance due, simply write the Benny Card number on your statement and send it back to the provider.

Q: How do I know how much is in my account?

A: You can log-in to your account on our website under EMPLOYEES, Employee Log-in and view your account activity, and current balance.

Q: Who do I call if I have questions about my Benny Card?

A: Call BeneFLEX at the phone number on the back of the Benny Card.

Q: What if I have an expense that is more than the amount left in my account?

A: By checking your account balance often online – you will have a good idea of how much is available. When incurring an expense that is greater than what is remaining in your account, you can clear out the balance on your account then use an alternative method of payment for the balance of the expense.

Q: How does the IIAS system work?

A: OTC products eligible for reimbursement by FSA programs are coded in the system and identified on the cash register receipt with a special FSA icon. The system automatically recognizes and separates eligible and ineligible OTC products. Cardholders can then pay for eligible OTC products using the Benny Card automatically debiting their FSA account. As a result, the claim is fully adjudicated and transaction substantiated with no paper receipts or further verification required. For items not qualifying for the FSA reimbursement, the participant must provide an alternative payment method. You still have to save all your receipts, as this is an IRS-governed plan.

Q: Will I have to submit copies of my receipts for purchases of Over-The-Counter (OTC) items?

A: Not for non drug OTC items. On July 1, 2009, the IRS required all grocery stores, discount stores and pharmacies to have an Inventory Information Approval System “IIAS” in place. The IIAS system automatically recognizes and separates eligible and ineligible purchases. These purchases will not require you to submit a receipt. The card will only work at merchants that have the IIAS system. Visit our website www.beneflexhr.com and click on EMPLOYEES, then IIAS Info to access a list of merchants that have implemented the system. SPECIAL NOTE: OTC drugs that are medically necessary, you will need to include your doctor’s prescription with your claim submission. Please refer to our Guidelines for Claims Submission. You still have to save all your receipts, as this is as IRS-governed plan.

Q: What about other purchases made with my Benny Card? Will I have to submit copies of my receipts for those purchases?

A: You should always keep your receipts. Our system will recognize your pharmacy prescription purchases, doctor co-pays and drug discount levels. Another great feature is our card can learn when you buy the same thing. For example, you go to the dentist, make monthly payments for braces, after the first payment is adjudicated, the card recognizes ongoing payments for the same amount at the same dentist.

HSA

Q: What is an HSA?

A: An HSA is a Health Savings Account. It is a tax-favored account. The funds in the account may be used for qualified medical expenses tax-free, as well as, qualified long-term care premiums, COBRA premiums, Medicare premiums, and a retiree’s portion of an employer sponsored health insurance plan.

Q: How does a participant qualify to contribute to an HSA account?

A: A participant must be enrolled in a Qualified High Deductible Health Plan (QHDH). These plans generally offer preventative care benefits and provide coverage once the deductible has been met. The participant is not allowed to be covered on another health plan.

Q: What are the benefits of a QHDH Plan?

A: Premiums are normally much lower than traditional plans. It encourages participants to be better healthcare consumers.

Q: How much can a participant contribute to an HSA account?

A: The maximum amount a person may contribute to an HSA account varies from year-to-year. You can find current information on our website under EDUCATION, HSA Educational Materials and Forms.

Q: What happens to the funds in the HSA account at the end of the year?

A: The funds accumulated in the HSA account roll over from year to year. The purpose of the account is to accumulate money for future healthcare expenses. HSA dollars may be invested for greater earnings potential.

Q: Who may contribute to an HSA account?

A: The employer, the employee , or the third party may contribute. The employee is the accountholder. It is the accountholder’s responsibility to make sure the contributions do not exceed the maximum limits.

Q: What happens if a participant ceases to be covered under a QHDH?

A: The participant is not allowed to continue contributing to their HSA account; however, they may continue to use the funds in the account to pay for qualified medical expenses.

Q: What happens to the HSA account if the employee terminates employment?

A: The HSA account is owned by the accountholder, so if an employee terminates employment the account is theirs.  They will only be able to continue contributions if they remain enrolled in a QHDH Plan.

Q: What is a Limited Flexible Spending Account (LFSA)?

A: An LFSA is another tax-advantaged account for HSA participants. Funds in the LFSA may be used for dental and vision expenses not covered by insurance and post-deductible expenses. If a participant is contributing to an HSA, they are not allowed to participate in a full Medical FSA.

Q: Does BeneFLEX work with a specific bank to set-up HSA accounts?

A: BeneFLEX works with HSA Bank in Sheboygan, WI. They are integrated with the Benny Card.

Q: How is a participant reimbursed for funds accumulated in the HSA account?

A: A participant may use their Benny Card to pay for eligible expenses, order checks to pay for eligible expenses, or sign up for HSA Bank’s Internet Banking to make an online transfer.

Q: How does the participant check the balance of their HSA account?

A: The participant may utilize the HSA Bank Internet Banking system to view their HSA account 24 hours a day. They may also check their account balance online at www.mybenny.com.  In addition, a toll-free customer service line is available Monday thru Friday from 7 a.m. to 6 p.m. (CST).

Q: Are there any tax forms needed at the end of the year to prepare taxes if an individual is contributing to an HSA?

A: The amount contributed by an employee or employer will be shown on the individual’s W-2. Each participant will also receive a 1099-SA showing disbursements from the account and a 5498-SA showing contributions to the account for the year.

HRA

Q: What is an HRA?

A: An HRA is a Health Reimbursement Arrangement. It is an IRS approved arrangement employers use to reimburse employees for a variety of qualified medical expenses.

Q: What are the benefits for the employee?

A: An HRA controls the cost of insurance premiums for employees. It reduces the out-of-pocket costs.

Q: What expenses qualify for reimbursement from the HRA?

A: Eligible expenses must qualify as a medical deduction under Internal Revenue Service rules (Section 213(d)). Sample healthcare expenses include deductibles, co-pays, eyeglasses, contact lenses, prescription, over-counter supply items eligible without a Dr.’s RX, and over-the-counter drugs that require a Dr.’s RX, chiropractic care, therapy and corrective eye surgery (i.e. Lasik). See your Summary Plan Description for your company’s HRA guidelines.

Q: What are the methods for filing a claim?

A: You may submit a claim online at www.beneflexhr.com or via our BeneFlexHR mobile app, email to info@beneflexhr.com, fax to (314) 909-6983, or mail to: BeneFLEX HR Resources, 10805 Sunset Office Drive, Suite 401, St. Louis, MO 63127.

Q: How often are claims reimbursed?

A: Claims are reimbursed on a weekly basis. The deadline for submitting HRA claims is 3 p.m. (CST) on Monday.

Q: Is Direct Deposit an option?

A: Yes, participants may provide BeneFLEX with their bank account information, so that claims reimbursements are made directly into their account.

Q: How do I access my account balance and claims information?

A: Go to EMPLOYEE, Employee Log-in to view your account activity, and current balance.

TMA

Q: What is a Transportation Management Account?

A: A Transportation Fringe Benefit Plan is a plan established by your employer that allows you to set aside pre-tax dollars to pay for qualified transportation expenses you incur for travel to and from work for your employer. Please refer to your Summary Plan description (SPD) for additional information.

Q: How does the Transportation Account work?

A: The account reimburses you for eligible transportation expenses incurred for travel to and from work. Through regular payroll deductions, you set aside part of your income to pay for these expenses on a tax-free basis.

Q: What are examples of eligible Transportation Expenses?

A: Eligible expenses must qualify as transportation under Internal Revenue Service rules (Section 132). Sample expenses are on mass transit facilities (such as train, bus, subway or ferry), whether or not publically owned and Commuter Highway Vehicle (Van Pool) expenses. Commuter Highway Vehicle expenses are covered if they seat at least 6 adults, not including the driver, at least 80% of the vehicle’s mileage must be for transportation between home and work and on trips during which employees occupy at least half of the seating space.

Q: What do I submit to get reimbursed for qualifying Transportation expenses?

A: To draw funds from your Transportation account, you may submit a claim online at www.beneflexhr.com, via our BeneFlexHR mobile app, or submit a paper claim via mail or email. Send necessary substantiation documentation for your claim. Upon receipt and review of the claim, BeneFLEX will reimburse you from your spending account for your qualified expenses.

Q: How much reimbursement will I receive each time I submit a claim?

A: Your benefits administrator will reimburse the claim up to the available balance in your Transportation Account at the time you submit the claim. If there are insufficient funds in your Transportation account to reimburse the entire claim, the remaining amount of the claim will be held until payroll deductions are credited to your account. You will not have to re-submit the claim.

Q: What happens if I don’t use all the money in my Transportation Account?

A: Funds can be rolled over from month-to-month. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I change my contribution amount during the year?

A: Yes, since the Transportation Account is a monthly election, you can change your amount or stop contributions at any time throughout the year. Retroactive changes are not allowed, only changes that will affect future months are allowed. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I deduct the expenses on my tax return that are reimbursed through a TMA?

A: No. You cannot claim a tax deduction for the same expenses that are reimbursed tax-free through your TMA.

Q: What if I pay for an eligible expense a month in advance?

A: Many transit and parking passes are payable in advance. For example, you can purchase a transit pass for the month of March in late February, as long as there is enough money in your account to pay for the pass. Then, your March contributions into the account can be used near the end of the month to pay for your April pass, and so on.

Q: If I stop participating, what happens to the money left in my account(s)?

A: You can submit claims for expenses that were incurred while you were a participant. However, any other funds will be forfeited.

Q: What happens if I terminate my employment?

A: Upon termination you will have a specific amount of time to file claims on the unused balance in your account. You may submit for reimbursement for services provided prior to the termination date. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I use this account to pay for my spouse’s transportation expenses?

A: No. The transportation is for the employee only who works for the employer offering the Transportation Account.

Q: How do I know how much is in my account?

A: You can log-in to your account under EMPLOYEES, Employee Log-in, to view your account activity and current balance.

Q: Can I participate in both the Transportation and Parking Accounts?

A: Yes, if you have qualified expenses in both categories.

Parking Management Account

Q: What is a Parking Management Account?

A: A Parking Fringe Benefit Plan is a plan established by your employer that allows you to set aside pre-tax dollars to pay for qualified expenses you incur for parking at or near your regular place of employment. Please refer to your Summary Plan description (SPD) for additional information.

Q: How does the Parking Account work?

A: The account reimburses you for eligible parking expenses incurred for employment purposes. Through regular payroll deductions, you set aside part of your income to pay for these expenses on a tax-free basis.

Q: What are examples of eligible Parking Expenses?

A: Eligible expenses must qualify as parking under Internal Revenue Service rules (Section 132). Sample expenses are for parking on or near your place of employment for any type of vehicle and for parking on or near a location from which you commute.

Q: What do I submit to get reimbursed for qualifying Parking expenses?

A: To draw funds from your Parking Account, you may submit a claim online at www.beneflexhr.com, via our BeneFlexHR mobile app, or submit a paper claim via mail or email. Send necessary substantiation documentation for your claim. Upon receipt and review of the claim, the administrator will reimburse you from your spending account for your qualified expenses.

Q: How much reimbursement will I receive each time I submit a claim?

A: BeneFLEX will reimburse the claim up to the available balance in your Parking Account at the time you submit the claim. If there are insufficient funds in your Parking Account to reimburse the entire claim, the remaining amount of the claim will be held until payroll deductions are credited to your account. You will not have to re-submit the claim.

Q: What happens if I don’t use all the money in my Parking Account?

A: Funds can be rolled over from month-to-month. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I change my contribution amount during the year?

A: Yes, since the Parking Account is a monthly election, you can change your amount or stop contributions at any time throughout the year. Retroactive changes are not allowed, only changes that will affect future months are allowed. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I deduct the expenses on my tax return that are reimbursed through a TMA?

A: No. You cannot claim a tax deduction for the same expenses that are reimbursed tax-free through your TMA.

Q: What if I pay for eligible expenses a month in advance?

A: Many parking passes are payable in advance. For example, you can purchase a parking pass for the month of March in late February, as long as there is enough money in your account to pay for the pass. Then, your March contributions into the account can be used near the end of the month to pay for your April pass, and so on.

Q: If I stop participating, what happens to the money left in my account(s)?

A: You can submit claims for expenses that were incurred while you were a participant. However, any other funds will be forfeited.

Q: What happens if I terminate my employment?

A: Upon termination you will have a specific amount of time to file claims on the unused balance in your account. You may submit for reimbursement for services provided prior to the termination date. Check your Summary Plan Description (SPD) for guidelines pertaining specifically to your employer’s plan.

Q: Can I use this account to pay for my spouse’s parking expenses?

A: No. The parking is for the employee only who works for the employer offering the Parking Account.

Q: How do I know how much is in my account?

A: You can visit your Account Summary page at www.beneflexhr.com and view your account activity, and current balance.

Q: Can I participate in both the Transportation and Parking Accounts?

A: Yes, if you have qualified expenses in both categories.