{"id":18309,"date":"2023-07-10T08:30:38","date_gmt":"2023-07-10T15:30:38","guid":{"rendered":"https:\/\/in.nau.edu\/human-resources\/?page_id=18309"},"modified":"2023-07-18T09:37:25","modified_gmt":"2023-07-18T16:37:25","slug":"benefits-faqs-flexible-spending-accounts","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/human-resources\/benefits-faqs-flexible-spending-accounts\/","title":{"rendered":"Benefits &#8211; FAQs Flexible Spending Accounts"},"content":{"rendered":"<h1 style=\"text-align: center;\"><div class=\"eplus-bg-color-row bg-color-dark-blue\"><div class=\"eplus-bg-color-row-content\">Flexible Spending Account FAQs<\/div><\/div><\/h1>\n<h2><em><strong><hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\"><\/strong><\/em><\/h2>\n<h2><em><strong>General<\/strong><\/em><\/h2>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"What is a Flexible Spending Account (FSA)_0\" id=\"shortcode-accordion-1-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-1-panel\">\n            What is a Flexible Spending Account (FSA)\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-1-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-1-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>A Flexible Spending Account (FSA) is&nbsp;<strong>a special account you put money into that you use to pay for eligible out-of-pocket health care or dependent\\daycare costs<\/strong>. You don&rsquo;t pay taxes on this money. This means you&rsquo;ll save an amount equal to the taxes you would have paid on the money you set aside.<\/p>\n<p><strong> <\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Does NAU contribute or match my FSA?_0\" id=\"shortcode-accordion-2-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-2-panel\">\n            Does NAU contribute or match my FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-2-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-2-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>No, NAU does not contribute or match your FSA contributions.<\/p>\n<p><strong> <\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"How do I find out what expenses I can pay from my FSA?_0\" id=\"shortcode-accordion-3-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-3-panel\">\n            How do I find out what expenses I can pay from my FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-3-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-3-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>You can review a list on eligible expenses on the <a href=\"https:\/\/www.asiflex.com\/EligibleExpenses.aspx\">ASIFLEX website.<\/a><\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Can I change my contribution amount during the year?_0\" id=\"shortcode-accordion-4-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-4-panel\">\n            Can I change my contribution amount during the year?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-4-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-4-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>No, you are not able to change your contribution throughout the year unless you have a Qualified Life Event such as the birth of a child or marriage.<\/p>\n<p><strong> <\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<\/strong><\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h2><em><strong>Health Care FSA<\/strong><\/em><\/h2>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Can I have a Health Care Savings Account (HSA) and a Health Care Flexible Spending Account (FSA)?_0\" id=\"shortcode-accordion-5-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-5-panel\">\n            Can I have a Health Care Savings Account (HSA) and a Health Care Flexible Spending Account (FSA)?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-5-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-5-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>If you are contributing to an HSA you can only enroll in a Limited Purchase Health Care FSA. Funds can only be used for eligible dental and vision benefits.<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"How much can I contribute each year to my Health Care FSA?_0\" id=\"shortcode-accordion-6-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-6-panel\">\n            How much can I contribute each year to my Health Care FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-6-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-6-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<ol>\n<li>For 2023 you can contribute up to $3,050.<\/li>\n<\/ol>\n<p><strong> <\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"When are the funds available for use in my Health Care FSA?_0\" id=\"shortcode-accordion-7-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-7-panel\">\n            When are the funds available for use in my Health Care FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-7-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-7-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>The funds are available to use after your first contribution. You will make contributions over the course of the year, but funds are available right away.<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"How do I get a Debit Card for the Health Care FSA?_0\" id=\"shortcode-accordion-8-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-8-panel\">\n            How do I get a Debit Card for the Health Care FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-8-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-8-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>You must request a debit card from the FSA administrator ASIFlex directly. Visit the <a href=\"https:\/\/www.asiflex.com\/DebitCards.aspx\">ASIFlex website<\/a> for more information.<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"How am I reimbursed for eligible Health care expenses if I do not have the debit card?_0\" id=\"shortcode-accordion-9-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-9-panel\">\n            How am I reimbursed for eligible Health care expenses if I do not have the debit card?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-9-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-9-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>You can use your account through the ASI portal <a href=\"http:\/\/www.asiflex.com\">www.asiflex.com<\/a> to submit a claim with your itemized receipts.<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"What if I do not use all the funds in my Health Care FSA by the end of the year?_0\" id=\"shortcode-accordion-10-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-10-panel\">\n            What if I do not use all the funds in my Health Care FSA by the end of the year?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-10-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-10-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>The IRS has a strict &lsquo;Use-It or Lose-It&rdquo; rule for FSAs.<\/p>\n<ul>\n<li>The Health Care FSA allows you to rollover up to the IRS maximum, $610 for 2023.<\/li>\n<li>Unused funds over the rollover maximum will be forfeited.<\/li>\n<li>You have until April 30th to submit claims incurred in the previous plan year.<\/li>\n<\/ul>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<\/strong><\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h2><em><strong>Dependent Care FSA<\/strong><\/em><\/h2>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"How much can I contribute each year to my Dependent\\Day Care FSA?_0\" id=\"shortcode-accordion-11-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-11-panel\">\n            How much can I contribute each year to my Dependent\\Day Care FSA?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-11-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-11-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>For 2023 you can contribute up to $5,000 per family for the Dependent\\Day Care FSA<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"What if I do not use all the funds in my Dependent\\Day Care FSA by the end of the year?_0\" id=\"shortcode-accordion-12-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-12-panel\">\n            What if I do not use all the funds in my Dependent\\Day Care FSA by the end of the year?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-12-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-12-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>The IRS has a strict &lsquo;Use-It or Lose-It&rdquo; rule for FSAs, but the Dependent\\Daycare FSA does have a grace premium.<\/p>\n<ul>\n<li>You can submit claims incurred up to March 15th following the end of the plan year.<\/li>\n<li>You have until April 30<sup>th<\/sup> to submit claims incurred in the previous plan year.<\/li>\n<\/ul>\n<p><strong> <\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Does the Dependent\\Day Care FSA have an age limit for children in Day Care?_0\" id=\"shortcode-accordion-13-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-13-panel\">\n            Does the Dependent\\Day Care FSA have an age limit for children in Day Care?\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-13-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-13-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n<p>Yes, expenses for children under the age of 13.&nbsp; Also, older dependents who are incapable of self-care are covered under the Dependent\\Day Care FSA are covered.&nbsp; Contact ASI if you<\/p>\n<p><strong><\/strong><\/p><\/body><\/html>\n\n    <\/div>\n<\/div>\n<\/strong><\/p>\n<h3 style=\"text-align: left;\"><em><strong>Still have questions?? <\/strong><\/em><\/h3>\n<p style=\"text-align: left;\">Review additional <a href=\"https:\/\/in.nau.edu\/human-resources\/benefits-faqs-main\/\" target=\"_blank\" rel=\"noopener noreferrer\">FAQs on other Benefit plans<\/a> or contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>General Health Care FSA Dependent Care FSA Still have questions?? Review additional FAQs on other Benefit plans or contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n","protected":false},"author":619,"featured_media":18544,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ring_central_script_selection":"","footnotes":""},"class_list":["post-18309","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/18309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/users\/619"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=18309"}],"version-history":[{"count":0,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/18309\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media\/18544"}],"wp:attachment":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=18309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}