{"id":6196,"date":"2019-11-07T12:35:10","date_gmt":"2019-11-07T17:35:10","guid":{"rendered":"https:\/\/www.rochester.edu\/human-resources\/?page_id=6196"},"modified":"2026-04-22T10:19:03","modified_gmt":"2026-04-22T14:19:03","slug":"flexible-spending-accounts","status":"publish","type":"page","link":"https:\/\/www.rochester.edu\/human-resources\/benefits\/health-care\/flexible-spending-accounts\/","title":{"rendered":"Flexible Spending Accounts (FSA)"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":0,"parent":256,"menu_order":5000,"comment_status":"closed","ping_status":"closed","template":"page-templates\/one-column.php","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-6196","page","type-page","status-publish","hentry"],"acf":{"lead_in":"","display_title":"","subtitle":"","call_to_action":"","hero_image_placement":"no_image","hero_media":"images","hero_pattern_option":"","hero_video":"","hero_image_landing":"","hero_image_landing_two":"","hero_image_landing_three":"","content_modules_above":[{"acf_fc_layout":"text","anchor":"","css_class":"","title":"","content":"A Flexible Spending Account (FSA) is a tax-advantaged savings reimbursement account that allows you to set aside money for eligible expenses on a pre-tax basis. There are three kinds of FSAs available to 糖心传媒 employees:\r\n<ul>\r\n \t<li>Health Care FSA<\/li>\r\n \t<li>Limited Purpose FSA<\/li>\r\n \t<li>Dependent Care FSA<\/li>\r\n<\/ul>\r\nLearn more about each of these options below.","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"accordion_new","anchor_id":"","classes":"","title":"<h2>FSA overview<\/h2>","description":"","background":"plain","background_color":"#ffffff","style":"row_blank","expand":"yes","accordions":[{"acf_fc_layout":"accordion","accordion_title":"FSA administrator: What bank will I use?","icon":"","row_content":"<a class=\"u-link-external\" href=\"https:\/\/www.lifetimebenefitsolutions.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lifetime Benefit Solutions<\/a>\u00a0will be your FSA administrator.\r\n\r\n<a class=\"external-link u-link-pdf\" href=\"https:\/\/www.rochester.edu\/human-resources\/wp-content\/uploads\/2025\/04\/lbs-member-portal-instructions.pdf\" target=\"_blank\" rel=\"nofollow noopener\">The Lifetime Benefit Solutions Spending Account Member Portal document<\/a>\u00a0will guide you through setting up an online account. More details on downloading and using the mobile app can be found in the\u00a0<a class=\"external-link u-link-pdf\" href=\"https:\/\/www.rochester.edu\/human-resources\/wp-content\/uploads\/2019\/11\/LBS_Mobile.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Lifetime Benefit Solutions Health Spending App document<\/a>.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Health Care FSA","icon":"","row_content":"<h5>Eligibility<\/h5>\r\nYou are eligible to contribute to a Health Care FSA if you are a benefit-eligible employee that:\r\n<ul>\r\n \t<li>Waived health coverage; OR<\/li>\r\n \t<li>Enrolled in the PPO Plan; OR<\/li>\r\n \t<li>Enrolled in the HSA-Eligible Plan and are not contributing to an HSA (if you are contributing to an HSA, see Limited Purpose FSA below)<\/li>\r\n<\/ul>\r\n<h5>Covered Expenses<\/h5>\r\nYou may use your Health Care FSA to reimburse qualified out-of-pocket medical, dental, prescription, or vision expenses. A complete list of qualifying expenses can be found in\u00a0<a class=\"u-link-external\" href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p502.pdf\">IRS Publication 502<\/a>.\r\n\r\nThe CARES (Coronavirus Aid Relief and Economic Security) Act, passed by Congress, has expanded covered expenses that you may use your FSA on. The act is retroactive as of 1\/1\/2020. Qualified expenses now include: over-the-counter medicine without needing a doctor\u2019s prescription and all feminine hygiene products.\r\n<h5>2026 Contributions<\/h5>\r\nThe maximum amount you may contribute in 2026 is $3,300 (minimum election is $100). At the end of the year, employees may be able to roll over some eligible funds. Please refer to the 2027 Open Enrollment communications for details.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"If I have a Health Care FSA this year but do nothing during Open Enrollment, what happens?","icon":"","row_content":"Your current FSA election will not automatically roll over to the following year, so you\u2019ll need to elect your annual contribution amount during Open Enrollment. You may not change your annual contribution amount after it has been elected unless you experience a corresponding qualifying event during the year.\r\n\r\nIf you do not make an active election for a Health Care FSA during Open Enrollment, then any unused funds from the current plan year will be forfeited. You will have 120 days beginning January 1st of the current plan year to submit any remaining claims for qualified services incurred in the previous plan year.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Limited Purpose FSA","icon":"","row_content":"<h5>Eligibility<\/h5>\r\nYou are eligible to contribute to a Limited Purpose FSA if you are a benefit-eligible employee that enrolled in the HSA-Eligible Plan and are contributing to an HSA.\r\n<h5>Covered Expenses<\/h5>\r\nYou may use your Limited Purpose FSA to reimburse qualified out-of-pocket dental and vision expenses. Once the Tier 1 Plan\u00a0deductible\u00a0has been met, you may also use your Limited Purpose FSA for qualified medical and prescription expenses. A complete list of qualifying expenses can be found in\u00a0<a class=\"u-link-external\" href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p502.pdf\" target=\"_blank\" rel=\"noopener\">IRS Publication 502<\/a>.\r\n\r\nThe CARES (Coronavirus Aid Relief and Economic Security) Act, passed by Congress, has expanded covered expenses that you may use your FSA on. The act is retroactive as of 1\/1\/2020. Qualified expenses now include: over-the-counter medicine without needing a doctor\u2019s prescription and all feminine hygiene products.\r\n<h5>2026 Contributions<\/h5>\r\nThe maximum amount you may contribute in 2026 is $3,300 (minimum election is $100). At the end of the year, employees may be able to roll over some eligible funds. Please refer to the 2027 Open Enrollment communications for details.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"If I have a Limited Purpose FSA this year but do nothing during Open Enrollment, what happens?","icon":"","row_content":"Your current FSA election will not automatically roll over to the following year, so you\u2019ll need to elect your annual contribution amount during Open Enrollment. You may not change your annual contribution amount after it has been elected unless you experience a corresponding qualifying event during the year.\r\n\r\nIf you do not make an active election for a Limited Purpose FSA during Open Enrollment, then any unused funds from the current plan year will be forfeited. You will have 120 days beginning January 1st of the current plan year to submit any remaining claims for qualified services incurred in the previous plan year.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Dependent Care FSA","icon":"","row_content":"<h5>Eligibility<\/h5>\r\nYou are eligible to contribute to a Dependent Care FSA if you are a benefit-eligible employee that:\r\n<ul>\r\n \t<li>Has a dependent child under age 13 that is claimed as tax-dependent; OR<\/li>\r\n \t<li>Has a tax-dependent adult<\/li>\r\n<\/ul>\r\n<em>Please Note: Federal non-discrimination guidelines require the University to test the Dependent Care FSA to ensure that highly compensated employees, as defined under IRS guidelines, do not disproportionately contribute to the Dependent Care FSA. Highly compensated employees may have their FSA maximum contribution amount reduced if the test results do not meet federal guidelines.<\/em>\r\n<h5>Covered Expenses<\/h5>\r\nYou may use your Dependent Care FSA to reimburse qualified daycare expenses for eligible dependents. A complete list of qualifying expenses can be found in\u00a0<a class=\"u-link-external\" href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p503.pdf\" rel=\"noopener\">IRS Publication 503<\/a>.\r\n<h5>2026 Contributions<\/h5>\r\nThe maximum amount you may contribute in 2026 is $7,500 for individuals or married couples filing jointly, or $3,750 for a married person filing separately, as defined in <a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p503.pdf\">IRS Publication 503<\/a>. Please note that Dependent Care FSA funds are not eligible to roll over.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"If I have a Dependent Care FSA this year but do nothing during Open Enrollment, what happens?","icon":"","row_content":"Your current FSA election will not automatically roll over to the following year, so you\u2019ll need to elect your annual contribution amount during Open Enrollment. You may not change your annual contribution amount after it has been elected unless you experience a corresponding qualifying event during the year.\r\n\r\nIf you do not make an active election for a Dependent Care FSA during Open Enrollment, then any unused funds from the current plan year will be forfeited. You will have 120 days beginning January 1st of the current plan year to submit any remaining claims for qualified services incurred in the previous plan year.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Using my FSA","icon":"","row_content":"There are a few options for using the savings in your FSA towards qualified medical expenses.\r\n<h5>Health Spending Card<\/h5>\r\nIf you are enrolled in a Health Care or Limited Purpose FSA, you can use your FSA Health Spending Card to cover your qualified medical and over-the-counter expenses. With this option, you pay for eligible services and\/or items in real-time and do not have to wait to be reimbursed. Please note that the FSA Health Spending Card cannot be used for Dependent Care FSA expenses.\r\n<h5>Manual reimbursements<\/h5>\r\nIf you did not use your FSA Health Spending Card, you must submit a claim for each qualified expense that you would like to receive reimbursement for (the FSA Health Spending Card cannot be used for Dependent Care FSA expenses). You may either:\r\n<ol>\r\n \t<li>Use your\u00a0<a class=\"u-link-external\" href=\"https:\/\/www.lifetimebenefitsolutions.com\/\">Lifetime Benefit Solutions<\/a>\u00a0online account to submit claims electronically; OR<\/li>\r\n \t<li>Use a\u00a0paper form\u00a0to submit claims.<\/li>\r\n<\/ol>\r\n<h5>Direct deposit<\/h5>\r\nUse your online account or a\u00a0paper form\u00a0to set up direct deposit of reimbursements into your bank account with your vendor.","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"FSA forms","icon":"","row_content":"<ul>\r\n \t<li><a href=\"https:\/\/www.rochester.edu\/human-resources\/wp-content\/uploads\/2025\/02\/dependent-care-fsa-reimbursement-request-form.pdf\">Dependent Care FSA Reimbursement Request Form<\/a><\/li>\r\n<\/ul>\r\nIf you need additional forms, you can\u00a0<a href=\"https:\/\/www.rochester.edu\/human-resources\/contacts\/get-help\/benefits-assistance\/\">contact us<\/a>\u00a0or explore our\u00a0<a href=\"https:\/\/www.rochester.edu\/human-resources\/benefits\/employee-benefits-summaries-forms\/#forms\">employee benefit forms page<\/a>.","accordion_anchor":""}]},{"acf_fc_layout":"text","anchor":"","css_class":"","title":"<h2>Other helpful resources<\/h2>","content":"<ul>\r\n \t<li><a class=\"u-link-external\" href=\"https:\/\/www.myalex.com\/university-of-rochester\/home#hsa-fsa\">HSA vs. FSA: What's the difference?<\/a><\/li>\r\n \t<li><a class=\"u-link-external\" href=\"https:\/\/www.youtube.com\/watch?v=kt_xTzxvtvs&amp;feature=youtu.be\">Health Care FSA video overview<\/a><\/li>\r\n \t<li><a class=\"u-link-external\" href=\"https:\/\/www.youtube.com\/watch?v=O0636F5vrug&amp;feature=youtu.be\">Limited Purpose FSA video overview<\/a><\/li>\r\n \t<li><a class=\"u-link-external\" href=\"https:\/\/www.youtube.com\/watch?v=lqNo_f-nhuo&amp;feature=youtu.be\">Dependent Care FSA video overview<\/a><\/li>\r\n<\/ul>","background_color":"#ffffff","width":"width-medium"}],"sidebar":"show__sidebar","sidebar_feed":"menu_select","menu":"736","page_links":null,"sub_menu":"746","content_modules":[{"acf_fc_layout":"interstitial","anchor_id":"","classes":"","layout":"layout_stacked","lead-in":"Frequently asked questions","title":"Answers to your FSA questions","content":"Get more in-depth information on Flexible Spending Accounts.","call_to_action":{"title":"See FAQs","url":"https:\/\/www.rochester.edu\/human-resources\/contacts\/frequently-asked-questions\/insurance\/#fsa","target":""},"bg_color":"#00205b"}]},"yoast_head":"<title>Flexible Spending Accounts (FSA) | 糖心传媒<\/title>\n<meta name=\"description\" content=\"Details for 糖心传媒 employees looking to better understand their Flexible Spending Account (FSA). 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