Page 29 - 2022 Insurity OE Guide FINAL

UnitedHealthcare – Dependent Care Flexible

Spending Account (DCFSA)

A Dependent Care FSA provides pre-tax reimbursement of out-of-pocket expenses related to dependent care. It’s a great
option for employees who have dependent children under the age of 13 who attend day care, after-school care or summer
day camp, and/or provide care for a person of any age who is claimed as a dependent on the federal income tax return and
who is mentally or physically incapable of caring for himself or herself.
O Funds can be used to pay for child care for children under age 13 when they’re claimed as qualifying dependents.
But the savings potential isn’t limited to just child care. They can also cover care for a disabled spouse or dependent of
any age.
O To be eligible for the Dependent Care FSA offered through your employer, you and your spouse (if applicable) must be
employed, or your spouse must be a full-time student or looking for work.
O The cost of adult/elder day care is eligible for reimbursement if the following conditions are met:

1. The expenses must be for a qualifying person. See IRS publication 503 for guidelines.

2. Expenses cannot be for medical care.
3. The qualifying person must regularly spend at least eight hours each day in the participant’s home.
4. The care cannot be provided by an immediate family member or tax dependent of the participant.

DCFSA Eligible Expenses and Rules

• Dependent Care funds can only be used as • Maximum contribution for 2021 is $5,000 • Reduces your taxable income
they are deducted from your paycheck and per year ($2,500 if married and filing
available in your account separate tax returns)
• A separate debit card is provided for DCFSA • Note that the 2022 maximum contributions
• You cannot change your DCFSA elections mid- have not been released by the IRS as of the
year unless you have a Qualifying Life Event date of this publication.

Important Notes:

O Employees can have a Dependent Care Flexible
Spending Account without being enrolled in Insurity’s
medical, dental and/or vision programs
O You can access your DCFSA portal by registering
on: www.myuhc.com
O Complete the Dependent Care section of the Request
for Reimbursement Form online via www.myuhc.com

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