Flexible Spending Accounts

The following provides information on the Flexible Spending Accounts offered to UConn employees by the State. Each type of benefit section outlines the overall availability and also provides bargaining-unit-specific details, when applicable.

The State of Connecticut provides comprehensive medical and dental benefits; however, many employees incur medical and dental care expenses that are not covered under our plan. The Medical Flexible Spending Account Program (MEDFLEX) provides a tax-free way to pay these out-of-pocket expenses, which can help you save money.

How does it work?
Before you enroll, estimate the amount your family spends each year on co-pays and other expenses that are not covered by your medical and dental plans. Then choose the amount you’d like to set aside for MEDFLEX. For Plan Year 2018, contribution limits are between $520 and $2,600. (If there is a change in the IRS maximum amount during open enrollment, you can check a box to increase your election to the maximum). During the year, the amount chosen will be deducted evenly from your paychecks based on your pay frequency (ex. 26 pays, 24 pays, 12 pays). Be conservative in estimating your annual expenses. Unused funds over $500 that have not been claimed by March 31 for eligible plan year expenses will be forfeited.

You can get reimbursed for eligible medical expenses for yourself, your spouse, and dependents by submitting a claim reimbursement request to Progressive Benefit Services (PBS), the State’s third party administrator. You can receive reimbursements by check, direct deposit or pay for eligible expenses with the pre-paid benefits card (called the “Benny Card”).

Who is eligible to participate?
Active State employees working at least half-time (0.5 full time equivalent).

Who is not eligible to participate?
Per diem, sessional, durational, temporary or seasonal workers, adjunct faculty members, graduate assistants & rehired retirees.
What are some eligible expenses?

  • Co-payments and deductibles;
  • Lasik;
  • Contact lenses;
  • Eyeglasses;
  • Prescription sunglasses;
  • Orthopedic shoes;
  • Orthodontia;
  • Wheelchairs.


What are some ineligible expenses?

  • Childcare;
  • Cosmetic surgery;
  • Health Club dues;
  • Insurance premiums;
  • Massage therapy;
  • Over-the-counter medications.

Enrollment
Enroll online at www.ctpbs.com or by filling out an enrollment form, available at http://www.osc.ct.gov/benefits/suppbene.htm, or the PBS web site www.ctpbs.com. Enrollment forms must be postmarked by October 31. The plan cannot accept late enrollments for any reason.

The State of Connecticut Dependent Care/Day Care Assistance Program (DCAP) provides a tax-free way to pay for dependent care expenses. This program offers significant tax advantages that can reduce effectively reduce the cost of dependent care.

How does it work?
Each dollar you put into the DCAP is a dollar that is not taxed. If, for example, you pay approximately 30% of your income in federal, state and social security taxes, using the DCAP to pay for eligible dependent care could increase your spending power for these expenses by 30%. The maximum DCAP contribution is $5,000 ($2,500 if you are married, filing separately). If you are married, your spouse must also work, be a full-time student, or be disabled. Any DCAP monies that are not spent during the plan year will be forfeited.

Whose care can be included in my DCAP?

  • Children under the age of 13, whom you claim as dependents on your federal income tax return; and/or
  • A disabled spouse or other disabled dependent who spends at least eight hours a day in your home.

What services are included?

  • Care at licensed nursery schools, licensed daycare facilities, day camps (not overnight camps) and before/after school programs.
  • Services from individuals who provide care for dependents in or outside your home.

Because the Internal Revenue Code does not allow you to apply both a DCAP benefit and the Child and Dependent Care Credit to the same dependent care expenses, please visit the PBS web site at www.ctpbs.com to use the tax savings comparison worksheet and to review important tax related information.

Contact Progressive Benefit Solutions (PBS), the State’s Third Party Administrator for this program, at 1-866-906-8023 for more information about DCAP benefits and the enrollment process.

Enrollment
Even if you are currently participating in the DCAP, you must complete a new election for the subsequent Plan Year.

Enroll online at www.ctpbs.com or by filling out an enrollment form, available at http://www.osc.ct.gov/benefits/suppbene.htm, or the PBS web site www.ctpbs.com. Enrollment forms must be postmarked by October 31. The plan cannot accept late enrollments for any reason.

The State of Connecticut offers a Qualified Transportation Account (QTA) that allows employees to pay for eligible transportation and parking expenses with pre-tax dollars. The minimum contribution is $20/month, and the maximum monthly contribution is $510/month ($255 max. for transportation and $255 max. for parking). Employees may enroll in this program, or make changes, at any time.
 
For more information, including a fact sheet and the enrollment form (CO-1312), please visit the State of Connecticut’s QTA page: https://www.osc.ct.gov/empret/transfben/index.html.