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[EMPLOYEE BENEFITS]

EMPLOYEE ASSISTANCE PROGRAM FLEXIBLE SPENDING ACCOUNTS

HARTFORD | EMPLOYEE ASSISTANCE PROGRAM NATIONAL BENEFIT SERVICES | HEALTH CARE & DEPENDENT CARE FSA
The Employee Assistance Program (EAP) provides you and your household members with free, confidential assistance to help with You can set aside money in Flexible Spending Accounts (FSAs) before taxes are deducted to pay for certain health and dependent care
personal or professional problems that may interfere with work or family responsibilities and obligations. Services are available 24 hours expenses, lowering your taxable income and increasing your take home pay. Only expenses for services incurred during the plan year are
a day, 7 days a week via a toll-free nationwide number. eligible for reimbursement from your accounts. You choose how you would like to pay for your eligible FSA expenses. You may use a
debit card provided by National Benefit Services or pay in full and file a claim for reimbursement. Please remember that if you are using
your debit card, you must save your receipts, just in case National Benefit Services needs a copy for verification. Also, all receipts should
be itemized to reflect what product or service was purchased. Credit card receipts are not sufficient per IRS guidelines.
ACCESSING THE EAP
Go to www.guidanceresources.com (Company/Organization: HLF902 | Company: ABILI) or call (800) 964-3577 HEALTH CARE FSA OPTIONS DEPENDENT CARE FSA OPTION
to be immediately connected to an EAP counselor.
This plan is used to pay for expenses Limited Health Care FSA This plan is used to pay for eligible
not covered under your Medical, Dental, AVAILABLE IF YOU ARE expenses you incur for child care, or for
and Vision plans, such as deductibles, ENROLLED IN THE HDHP WITH the care of a disabled dependent, while
coinsurance, copays and expenses that HSA MEDICAL PLAN you work. You may defer up to $5,000
MEMBER SUPPORT SERVICES exceed plan limits. You may defer up to This plan is much like the Health Care pre-tax per year (or $2,500 if you are
Spending Account described above, however,
$2,650 pre-tax per year. Note, if you are
married but file taxes separately).
enrolled in the HDHP with HSA medical under the Limited Health Care HSA, you’re
plan and wish to participate in the Health limited to qualifying Dental and Vision
COMPASS | MEMBER SUPPORT CLAIMS TRANSPARENCY Care FSA, you must elect the Limited expenses ONLY while preserving your HSA
AND ADVOCACY Health Care FSA. funds for Medical expenses. You may defer
Navigating healthcare these days seems impossible—unless you have Compass on your side. Your Health Pro consultant is your personal up to $2,650 pretax per year.
healthcare advisor. From finding doctors to getting cost estimates to solving billing problems, Compass is here to help at no cost to you FSAs offer sizable tax advantages. The trade-off is that these accounts are subject to strict IRS regulations, including the use-it-or-lose-it
or your family rule. According to this rule, up to $500 of any unspent funds remaining in your account at the end of the plan year will carry-over to the
next plan year, and unspent funds above $500 will be forfeited. We encourage you to plan ahead to make the most of your FSA dollars.
If you are unable to estimate your health care and dependent care expenses accurately, it is better to be conservative and underestimate
rather than overestimate your expenses.

HEALTH CARE FSA SAVINGS COMPARISON
WITHOUT THE WITH THE
UNDERSTAND FIND A GREAT SAVE MONEY ON PAY LESS FOR GET HELP WITH
YOUR BENEFITS DOCTOR MEDICAL CARE PRESCRIPTIONS MEDICAL BILLS HEALTH CARE FSA HEALTH CARE FSA
Receive guidance in Find highly-rated Get price comparisons Let Compass compare Have your medical bills Gross Annual Pay $45,000 $45,000
understanding your doctors, dentists and before receiving care. medication prices and reviewed to make sure Pre-Tax Health Care FSA Not Elected $1,200
benefits throughout the eye-care professionals in Depending on the explore lower cost you are not overcharged. Taxable Gross Income $45,000 $43,800
year. your area and network doctor, hospital or options for you. Payroll Taxes (at 30%) $13,500 $13,140
that meet your personal facility, costs can vary by Net Pay $30,300 $30,660
preferences and hundreds or thousands Annual Net Pay Increase $0 $360
healthcare needs. of dollars—even in-
network. It is important to note that your FSA elections will expire each year on December 31st. If you plan to participate in the FSA for the
upcoming plan year, you are required to re-enroll.

FOR MORE INFORMATION
Go to www.compassphs.com or call (800) 513-1667. Click here to watch a quick video to learn the basics of how Flexible Spending Accounts work.
FLEXIBLE SPENDING ACCOUNTS
http://video.burnhambenefits.com/fsa/

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