Flexible Spending Accounts (FSAs)

REMINDER!

Effective January 1, 2018, Discovery Benefits is the new Flexible Spending Account (FSA) administrator for Arlington Public Schools. Scroll down to “What’s New in 2018?” to learn more about Discovery Benefits.


All employees regularly scheduled to work 15 or more hours per week in a benefits-eligible position are eligible for enrollment in the Flexible Spending Account (FSA) plans.

What is a Flexible Spending Account?

A Flexible Spending Account (FSA) is one of a number of IRS tax-favored accounts. An FSA allows an employee to set aside a portion of earnings to pay for qualified expenses, most commonly for medical expenses but often for dependent care or other expenses. Money deducted from an employee’s pay into an FSA is not subject to payroll taxes, resulting in a payroll tax savings.

What types of FSAs are available?

      • Health Care FSA
      • Dependent Care FSA
      • Parking FSA
      • Transit FSA

Open Enrollment for Health Care FSA and Dependent Care FSA
Employees who wish to participate in the Health Care FSA and Dependent Care FSA program must re-enroll during each Benefits Open Enrollment period. The Benefits Open Enrollment period for the Flexible Spending Account Plan is held annually, during the month of October, with coverage going into effect the following January 1st.

Parking FSA and Transit FSA Elections
You can enroll in the Transit FSA or Parking FSA, or cancel or change your deduction amount at any time during the year. Your enrollment, cancellation or deduction change will be effective the pay period following receipt of your enrollment or change request. To enroll in the Transit FSA or Parking FSA, download and complete the Benefits Enrollment and Change Form located on our Benefits Home Page.

Qualifying Life Events
Qualifying Life Events allow employees to make changes to their accounts (such as electing or cancelling enrollment, or changing the election amount) outside of Open Enrollment. For additional information regarding Qualifying Life Events, review the document, “Changes Outside of the Open Enrollment Period,” located on the Benefits Home Page.


Health Care FSA

A Health Care FSA is an account you can use to pay for eligible health expenses (medical, prescription, dental, vision, and approved over-the-counter expenses) not covered by your insurance or any other plan. Eligible expenses include the following, but not limited to:

      • Eligible medical, prescription, dental, and vision copays
      • Deductibles and co-insurance
      • Certain over-the-counter items
      • Eyeglasses and contacts
      • Dental expenses (excluding cosmetic treatment)
      • Hearing aids
      • Orthodontia
      • Physical therapy and chiropractic care

View Eligible Health Care FSA Expenses

2018 Health Care FSA Maximum Annual Election: $2,650

“Use It or Lose It! — Health Care FSA Account Balances over $500

The plan year for the Health Care FSA is January 1st through December 31st. Claims must be incurred on or prior to December 31st of each plan year and must be submitted to Discovery Benefits (our plan administrator) by March 31st of the following plan year.  Effective with the 2018 FSA Plan Year, Health Care FSA balances of $500 or less as of March 31st of the following plan year will automatically rollover to the next plan year.  If an account balance exceeds $500, the amount over $500 is subject to the IRS “Use It or Lose It” rule and will be forfeited and cannot be returned to you.

For the 2017 FSA Plan Year, all unreimbursed amounts will be forfeited as of March 31, 2018 and cannot be returned to you.


Dependent Care FSA

Dependent care expenses, whether for a child or an elder, include any expenses that allow you to work, such as:

      • Daycare services (child under 13, or adult)
      • Before and after school care
      • Summer day camps

View Eligible Dependent Care FSA Expenses

2018 Dependent Care FSA Maximum Annual Election: $5,000 for single or married filing jointly, and $2,500 for married filing separately

“Use It or Lose It! — Dependent Care FSA Account Balances

The Plan Year for the Dependent Care FSA is January 1st through December 31st. Claims must be incurred on or prior to December 31st of each plan year and must be submitted to Discovery Benefits (our plan administrator) by March 31st of the following plan year.  Dependent Care FSA accounts are subject to the IRS “Use It or Lose It” rule.  Any account balance remaining in your Dependent Care Care FSA as of March 31st of the following plan year will be forfeited and cannot be returned to you.


Transit and Parking FSA

If you take public transportation to work or pay for parking, even if you only commute a few days a week, a Parking and Transit Flexible Spending Account saves you money on your commute by paying commuting expenses with pre-tax dollars.

Who is covered under the Transit FSA and Parking FSA? You are the only person covered. Mass transit costs and qualified parking costs incurred by your spouse or other dependents are not reimbursable.

Transit FSA

  • What are the some eligible expenses under the Transit Account? Eligible expenses include bus vouchers, pass and tokens, ferry passes, van-pooling and commuter rail. Expenses NOT covered are gas, tolls, and other driving-related expenses or transit costs reimbursed by APS.
  • 2018 Monthly Maximum Election: $260

Parking FSA

  • What are the some eligible expenses under the Parking Account? Qualified parking is parking at or near your place of employment. It includes parking at or near the location from which you commute to work using mass transit, commuter highway vehicles, or carpools. It does not include parking at or near your home. Also, expenses NOT covered are parking for business meetings and parking reimbursed by APS.
  • 2018 Monthly Maximum Election: $260

You can enroll in the Transit FSA or Parking FSA, or cancel or change your deduction amount at any time during the year. Your enrollment, cancellation or deduction change will be effective the pay period following receipt of your enrollment or change request. To enroll in the Transit FSA or Parking FSA, download and complete the Benefits Enrollment and Change Form located on our Benefits Home Page.

Discovery Benefits Debit Card:
If you participate in the Parking FSA or Transit FSA, you will receive a debit card from Discovery Benefits. If a Parking and Transit participant does not utilize WMATA terminals for parking or transit expenses, the participant can use their Discovery Benefits debit card.

If you utilize your SmarTrip® card at Washington Metropolitan Area Transit Authority (WMATA) terminals:

  • Parking and Transit participants who utilize a SmarTrip® card at Washington Metropolitan Area Transit Authority (WMATA) terminals (i.e., you use Metrobus, Metrorail, etc.) must access the SmartCommute feature on Discovery’s website and connect their registered SmarTrip® card to SmartCommute. (Ensure you are connecting a registered SmarTrip® card; this means you have registered your SmarTrip® card with WMATA.)
  • Employees utilizing their SmarTrip® card at WMATA terminals must log into their online portal through Discovery Benefits and place their order by the 10th of the month for the funds to be made available by the 1st of the following month. Employees can place the order regardless if payroll contributions are in the account.
  • Employees to not have to access SmartCommute each month. Employees can utilize a recurring option through SmartCommute that allows participants to set up recurring transactions.
  • Parking and Transit participants cannot start the SmartCommute process until January 1, 2018 (the plan effective date) and remember, participants must connect a SmarTrip® card that has been registered with WMATA.
  • The first payroll deduction for the 2018 plan year is January 12, 2018. Due to the vendor transition, the earliest date Parking and Transit contributions can be loaded onto your SmarTrip® card is February 1, 2018, IF the participant accesses SmartCommute on Discovery’s website and connects their registered SmarTrip® card to SmartCommute by January 10th.
  • If you have any questions about SmartCommute or your new FSA accounts with Discovery Benefits, please contact Discovery’s Benefits Participant Services. Their contact information is listed below.

SmartCommute Program Employee Handout
SmartCommute Program FAQ for Employees


What’s New in 2018?

Effective January 1, 2018, New FSA Administrator and New Benefit Feature:

  • New FSA Administrator — Effective January 1, 2018, Discovery Benefits is the new administrator for the Arlington Public Schools’ Flexible Spending Account Plan and has replaced our previous FSA administrator, CompuSys/ERISA Group, Inc. Effective January 1, 2018, Discovery Benefits is administering the following Flexible Spending Accounts:

Health Care FSA
Dependent Care FSA
Parking FSA
Transit FSA

  • New Benefit Feature — A $500 rollover feature has been added to the Health Care FSA and is effective with 2018 plan year. That means if you enroll in the Health Care FSA for 2018, up to $500 of your unused FSA funds will automatically roll over to the 2019 plan year. See Health Care FSA Rollover FAQ for more information.  (REMEMBER: The $500 rollover feature only applies to the Health Care FSA and anything over $500 in the Health Care FSA will be forfeited and subject to the IRS “Use It or Lose It” rule.  All unused funds in the Dependent Care FSA are subject to the IRS “Use It or Lose It” rule.)
  • If you participated in 2017 in our Health Care FSA, Dependent Care FSA, Parking FSA, or Transit FSA, CLICK HERE for more information about the transition from our previous FSA administrator, CompuSys/ERISA Group, Inc., to our new FSA administrator, Discovery Benefits.

For questions about your new FSA account with Discovery Benefits, please contact Discovery’s Benefits Participant Services team. Their contact Information is below:

Discovery Benefits Participant Services
Hours: 6:00 a.m. to 9:00 pm CST M-F
Phone: 1-866-451-3399
Email: customerservice@discoverybenefits.com
Chat: www.discoverybenefits.com

Setting up your online account with Discovery Benefits
You’ll be able to manage your benefits information through your online account after completing a few steps:

    1. Set up your account by going to www.discoverybenefits.com/benefitslogin.
    2. From the login screen, click the “Create your new username and password” link and complete the required user identification fields.
    3. Answer the security questions and click the “Submit” button.
    4. Set up your username and password. You are now ready to start using your benefits!

On the go? Discovery’s secure (and free!) mobile app makes managing your health benefits easy by providing real-time, convenient access to all your account information on the go. You can easily check balances, view account details, and upload receipts.  Make the most of your accounts by downloading the Discovery Benefits mobile app from the Apple or Android store today!

2018 Benefit Information:

Discovery Benefits:

Discovery Benefits Health Care FSA and Dependent Care FSA Flyer
View Eligible Health Care FSA and Dependent Care FSA Expenses

Discovery Benefits Debit Card Flyer
Employee Guide to Ordering Debit Cards

Discovery Benefits Filing Claims Flyer
Guide to Setting Up Direct Deposit
Out-of-Pocket Reimbursement Request Form
Recurring Dependent Care Request Form

 


2017 Benefit Information:

CompuSys/ERISA Group, Inc.:

To Create and View your FSA Accounts Online

Participants may check their FSA accounts online. To get started:

    1. Go to http://www.wealthcareadmin.com
    2. Click on Participant Login
    3. Click on Create Account
    4. Enter your First and Last Name and your APS Employee ID number
    5. Enter your Health Care or Transportation Flex card number where it states Card Number.
    6. Create a User ID and Password

For assistance with creating an online account, please contact CompuSys/ERISA Group, Inc. at 1-800-933-7472.

Forms and Additional Benefit Information

Additional information, including Claim Forms and Direct Deposit Forms, are available online at http://www.arlingtoncountyflex.com.

Plan Administrator Contact Information

CompuSys/ERISA Group, Inc.
13706 Research Blvd, Ste 308
Austin, TX 78750-1840
Phone: 1-(800)-933-7472
Fax: 1-(512)-597-4692
E-mail:  flex@cserisa.com
Website:  http://www.arlingtoncountyflex.com