Q. Why should I enroll in an FSA?
A. With an FSA, your out-of-pocket health, dental or vision expenses and/or dependent care expenses are paid with tax-free dollars. FSAs are exempt from federal taxes, Social Security (FICA) taxes and, in most cases, state income taxes. You can typically save an average of 30 percent on all of your eligible expenses 
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Q. What is a Health Care FSA?
A. A Health Care FSA is an account that provides you, your spouse and your eligible dependents with pretax reimbursement for qualified health care expenses that are not covered by insurance.
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Q. What expenses are eligible for reimbursement?
A. Health Care FSA Health care plan deductibles, co-payments, prescription glasses, orthodontia, certain over-the-counter medicines and supplies are eligible if incurred while you are a participant in the plan. For a comprehensive list, please visit http://www.myceridian.com/hfsa-expenses.

• A number of over-the-counter drugs and medicines are also eligible for reimbursement through health care FSA accounts. Eligible nonprescription medications include: antacids, allergy medicines, pain relievers and cold medicines. Dietary supplements (e.g., vitamins), toiletries and cosmetics are not eligible for reimbursement.
• Expenses are treated as having been incurred at the time the medical care was provided, not when you are formally billed, charged, or pay for the medical expenses.
• You cannot receive reimbursement for future or projected expenses.
• All submitted expenses are reviewed for eligibility according to Internal Revenue Code Section 125 guidelines.

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Q. What is a Dependent Care FSA?
A Dependent Care FSA (DCFSA) helps you pay for child or elder care services so you and your spouse can work. Under certain circumstances, the account may be used to help pay for the care of a disabled spouse or dependent. Examples of eligible expenses include:
·  Child or elder care center
·  Nursery or preschool
·  After school care
·  In-home care (for children or adults
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Q. Am I eligible to participate in a Dependent Care FSA?
You are eligible for this benefit if you have a dependent (whose expenses are eligible) who requires care to enable you to work. In addition, you must meet one of the following eligibility criteria:

• You are unmarried.
• Your spouse works, is a full-time student, is actively seeking work, or is disabled.
• You are divorced or legally separated and have custody of your child even though your former spouse may claim the child for income tax purposes.

Your Dependent Care FSA can be used to pay for child care services provided during the period the child resides with you. For a complete list of whose expenses are eligible for reimbursement through a Dependent Care FSA, please go to http://www.myceridian.com/129.
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Q. Dependent Care FSA
A. Eligible dependent care expenses may include services inside or outside your home by anyone other than your spouse or a person you list as a dependent for income tax purposes or one of your children under the age of 19. Services may be provided at a child or adult care center, nursery, preschool, after school, or summer day camp. Important Notes:

• Dependent care for a child over 13, overnight camp, baby sitting that is not work-related, schooling in kindergarten and higher grades, and long-term care services are not eligible expenses.
• All submitted expenses are reviewed for eligibility according to Internal Revenue Code Sections 125 and 129 guidelines.

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Q. How do I determine the date my expenses were incurred?
A. A service or expense must be incurred before it is eligible for reimbursement. An FSA expense is considered “incurred” when the service is performed, not when you pay for the service. In addition, the service must be performed during your participation in the plan. Services or expenses incurred before or after your plan participation dates do not qualify for reimbursement.
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Q. What happens if I do not use all of the money in my account by the end of the plan year?
A. Federal law governing FSAs specifies that any money remaining in your account at the end of the plan year will be forfeited. This is more commonly known as the use-it-or-lose-it rule. Forfeitures may be used by the University to offset the administrative costs of operating the plan.
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Q. Can I change my election amount during the plan year?
A. Your decision to participate in an FSA is binding for the entire plan year, and you may change your election only as permitted by IRS regulations. Generally, to make an FSA election change, you must experience a significant life event such as marriage, divorce, birth, or death in your immediate family. For a Dependent Care FSA only, you may also make election changes that simply correspond with changes in your cost of the care. You may not reduce your election to an amount less than either your year-to-date reimbursements or your year-to-date FSA contributions. A change to your FSA election constitutes the end of your prior election and the beginning of a new election period. Expenses incurred during the period prior to the election change are subject to the initial election amount; expenses incurred during the period after the election change are subject to the new election amount.
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Q. What happens to my FSA if I terminate employment?
A. Participation in the FSA ends if you terminate employment. This means only expenses incurred prior to the date your participation in the plan ends are eligible for reimbursement. Claims for expenses incurred prior your termination date must be submitted within 90 days.
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Q. Upon termination from the FSA, may I continue my coverage through COBRA?
A. The University is required by law to provide benefit continuation coverage under COBRA. COBRA participation will require that you continue at your current contribution level. The advantage is that you will be able to continue to submit expenses incurred after your termination date. The difference is that you will be paying after-tax dollars plus administration fees. A Dependent Care FSA does not qualify for COBRA. Therefore, any funds remaining in the account after termination and the following 90 days will be forfeited.

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Q. What is the grace period?
A.IRS regulations permit a 2½ month grace period (through March 15) for participants to incur expenses that may be reimbursed from contributions made in the preceding year. This provides additional time to take advantage of FSA contributions before the amounts are forfeited under the "use-it-or-lose-it" rule. It is still important, however, to be somewhat conservative when choosing the amount of your FSA contribution; you will lose any balance not used during the plan year and subsequent grace period.

Q.  What is the role of Ceridian Benefits Services?
A.  The University has contracted with Ceridian Benefits Services to administer our Flexible Spending Accounts plan.  This means that claims are submitted to Ceridian for reimbursement from your available FSA balance.  Ceridian also maintains balance information that you may access through the Ceridian web site or automated voice response system.  Through Ceridian, you may also use a Benefits Card that is connected to your Health Care Flexible Spending Account.  This means that you will be able to use this new Benefits Card to pay eligible health care expenses directly from your Flexible Spending Account.

Through Ceridian, you will also have several new ways to access your FSA account, including an automated Interactive Voice Response system; customer service representatives; and an Internet Web site (to submit a claim online, to check claim status, to see claim payments, etc.).

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Q. How do I get the funds from my FSA account?
A. It’s simple — Just log in to the Ceridian website to access your account online and enter your expenses via the Web site, then print your confirmation and mail or fax it to Ceridian along with a copy of a receipt(s) documenting the type, amount and date the expenses were incurred. Once approved, you will receive reimbursement directly from Ceridian by mail or by direct deposit if you have completed the Ceridian Direct Deposit Authorization Form.
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Q. How can I learn my FSA balance?
A. Through the Ceridian website, you will be able to log in to your account online and check your current balance. You may also use the interactive voice response line to check your balance. The FSA views on the University’s website no longer includes balance information.

Q. What is the Ceridian Benefits Card?
A: As an added benefit, the University has decided to offer you the Ceridian Benefits Card.  This Card can be a convenient tool for managing your Health Care FSA.  You can use your Benefits Card to pay eligible health care expenses directly from your flexible spending account. It’s easy, fast and secure. Please read the information below to learn how the Ceridian Benefits Card can give you faster access to your Health Care FSA account balance and, in some cases, decrease the amount of documentation that you are required to submit for your Health Care FSA claims. 
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Q. What is a Benefits Card and how does  it work?
A. The Ceridian Benefits Card is linked to your Health Care FSA account balance. When you incur an eligible health care expense, you simply swipe your Card at the point of sale. You will select “credit” when asked “credit or debit”, as no PIN is required. The amount of the purchase is deducted directly from your Health Care FSA account balance and paid to your health care provider.
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Q. Once I use my Benefits Card, do I have to use it for all my health care expenses?
A. No. You make the choice every time you purchase health care products or services if you would like to use the Benefits Card. If you do not use your Benefits Card, you can request reimbursement for eligible health care expenses by submitting a completed claim form and your receipts.
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Q.  Where can I use my Benefits Card?
A. You can use your Benefits Card at most medical providers (including doctors’ offices, dental providers, vision care providers and hospitals) that display the VISA® logo. The Benefits Card will only be accepted at qualified merchant types related directly to health care and will not be accepted at other locations like gas stations, convenience stores, video stores and restaurants.

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Q. If I use my Benefits Card, will I still need to keep my receipts?
A. Yes. You must always keep your itemized receipts for all Benefits Card transactions.

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Q. Can I use my Benefits Card at a pharmacy?
A. You can use your benefits card at merchants that have an Information Inventory Approval System (IIAS) in place. An IIAS enables FSA-eligible products to be separated from non FSA-eligible products at the point of sale, so that only FSA-eligible products are allowed to be purchased with the Benefits card. A complete listing of merchants with an IIAS in place can be found at: http://www.sig-is.org/imwp/idms/popups/pop_download.asp?contentID=12418

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Q. Will I have to submit receipts when an IIAS is in place?
A. Once a merchant implements an IIAS, the only products that can be purchased with the Ceridian Benefits Card are FSA-eligible products. Therefore, there is no need to submit receipts to validate the eligibility of the expense. You are, however,  still required by IRS regulations to retain for your records are FSA-related receipts.

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Q. How will I know if additional documentation is needed for a Benefits Card transaction?
A. Typically, documentation will be requested if the payment is not through a merchant with IIAS in place or the fee does not match a standard prescription drug or physician co-pay.  You will be notified by mail or email automatically (possibly 30 to 60 days after your purchase) when additional documentation is needed. If the requested information is not received within 30 days, the Benefits Card swipe will be considered ineligible. In addition, the Benefits Card(s) will be temporarily deactivated until the requested documentation is received or the payment is recovered.

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Q. Will my Benefits Card ever be declined?
A. It is possible. There are several reasons why your Benefits Card could be declined: 1. The transaction amount is greater than the available balance. 2. Your Benefits Card has been deactivated because you did not respond to requests for receipts within the allotted time. 3. Your Benefits Card has been deactivated because you have terminated service with the University. 4. You are attempting to use your Benefits Card at an ineligible merchant (e.g., convenience store, merchant that does not have an IIAS in place, merchant that does not accept VISA).

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Q. How do I receive the funds in my FSA if my provider does not accept VISA or if my Benefits Card is declined?
A. If the merchant does not accept VISA or if your card swipe is declined for any reason, the clerk will ask for another form of payment for the total amount of your purchase. You may submit the receipt along with a completed claim form to request reimbursement for your FSA-eligible items.
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Q. Can I use my Benefits Card to purchase items that are not FSA eligible?
A. No. If you buy items that are not FSA eligible (i.e., soda, milk, gum, etc.) you must pay for those items separately with another form of payment.
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Ceridian Benefits Cards
Q. Do I have to apply for the Benefits Card?
A. No. If you participate in the Health Care FSA, you will receive the Benefits Card by first-class mail at your home address automatically.
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Q. When will I receive the Ceridian Benefits Card?
A. The Benefits Card will be sent to you approximately two weeks after Ceridian has received complete enrollment information from the University.
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Q. What is the balance of the Benefits Card when I receive it?
A. At the beginning of the plan year, the balance of your Benefits Card is equal to your annual Health Care FSA election.
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Q. What happens to the balance when I use the Benefits Card?
A. As you use the Benefits Card or submit paper claims, the balance on the card will be adjusted to always equal the amount you have available in your Health Care FSA. You must have sufficient funds in your account to cover your eligible expenses or your Benefits Card will be declined.
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Q. Can I use my Benefits Card to pay my dependent care provider?
A. No. You cannot pay your dependent care provider with the Benefits Card. The Benefits Card can only be used to pay for health care expenses
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Q. My spouse and I are covered under another employer’s health plan. Will the Benefits Card work for me?
A. The Benefits Card can be used for eligible health care expenses, even when you are covered under your spouse’s health plan. However, you will be required to submit supporting documentation for all Benefits Card transactions. The exception to this is for FSA-eligible items that are purchased at a pharmacy with an IIAS in place.
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Q. When I receive my Benefits Card, will I be able to use it right away?
A. You will be able to use the Benefits Card for eligible health care expenses incurred during the plan year. If you receive your card before the start of the plan year, you will have to wait until the beginning of the plan year to use the card. If you receive your card after the plan year has begun, you may use the Benefits Card as soon as you receive it. Your Benefits Card will be activated automatically the first time you use it
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Q. How many Benefits Cards will I receive?
A. One Benefits Card will be issued to you. Please complete a Benefit Card Dependent Request Form. Please return your completed form to Ceridian via fax at 866-377-4261.  You may also mail your completed form to: Ceridian, P.O. Box 534200, St. Petersburg, FL 33747.  If for any reason an additional card cannot be issued, a Ceridian Representative will contact you.
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Q. Will I continue to use the same Benefits Card each plan year?
A. As long as you continue to participate in the Health Care FSA, you will continue to use the same Benefits Card each year until it expires. Your Benefits Card will be loaded with the amount you elected for your Health Care FSA for each new plan year.
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Q. What happens if my Benefits Card is lost or stolen?
A. You must report lost or stolen cards immediately to Ceridian. You can contact Ceridian toll-free at 877-887-7739 with any questions. Ceridian’s Customer Service Center is open Monday through Friday from 8:00 a.m. to 8:00 p.m. Eastern Time. The Benefits Card will be flagged as lost or stolen and deactivated immediately. A new Benefits Card can be sent upon request. Ceridian will review all Benefits Card transactions with the employee to identify any transactions that were not made by the employee, the spouse or the dependent.