Dependent Care Reimbursement Accounts

Eligible expenses for children and disabled spouses.

How does a Dependent Care Reimbursement Account work?

A Dependent Care Reimbursement Account can be used to reimburse for eligible daycare expenses for children 12-and-under or for adult daycare expenses for a disabled spouse or IRS tax dependent. The maximum annual deduction is $5000 (or $2500 if married and filing separately).

Understanding your account
Dependent care expenses must be for "custodial care.” You and your spouse must be employed (full- or part-time), looking for work, or going to school full-time.


How to enroll in your Flexible Spending Account

It’s easy to sign up. just follow the simple steps below. Please note that your employer will need to be contracted with us for you to enroll.

1. Contact your Human Resources (HR) or Employee Benefit department to get more information.

2. Use the enrollment worksheet to figure out how much you expect to spend during the year on eligible expenses.

a. The healthcare maximum is determined by your employer
b. The Dependent Care tax year maximum is $5,000 per family ($2,500 if married filing separately).

3. If your employer uses forms, complete their enrollment form and return it to them. Do not send to BenefitHelp Solutions.

4. Your employer will automatically deduct the amount requested from your paycheck and send it to us to be deposited in your FSA account(s).


Rules and Guidelines

You'll want to think about a few rules before you sign up:

  • You cannot change or stop your FSA deductions after annual enrollment — unless you experience a qualified life event.
  • Use it or lose it: All funds deducted from your paycheck must be used during the plan year. Only deduct what you normally expect to pay for out-of-pocket expenses. If your employer offers an FSA carryover, you may be able to roll up to $500 into the next plan year.
  • Participation in an FSA may slightly reduce your Social Security Benefits.
  • Funds cannot be moved from your healthcare to your dependent care account, or vice versa.
  • Your FSA will only cover expenses while you are enrolled. Expenses before you sign up for an FSA or after you end it aren't eligible for reimbursement.


Need to make changes to your account, determine eligibility or make payments? Check our Member Resources page for additional forms and helpful information.

Still didn’t find what you’re looking for? See what other members are asking about below.

Yes. You must complete the Reimbursement Request Form and attach a receipt of payment that shows the dates of service.

If you have set aside money through salary reduction, and you do not use it by the end of the plan year, you will lose it. The IRS requires that all funds that have been deducted from your paychecks and placed in the Dependent Care Account must be used during the plan year. It is important to deduct from your salary only the amount that you’re sure you’ll spend.

Yes. You can, as long as any of the following qualifying events happen:

  • A change in the cost of dependent care.
  • Employment status
    • Any employment status change for the employee, spouse or dependent
    • Termination or commencement of employment, strike or lockout
    • Return from unpaid leave of absence
    • Change in worksite
  • Dependent eligibility
    • A change in dependent eligibility that causes the dependent to satisfy or cease to satisfy requirements due to: age, marriage, or any similar circumstances
  • A change in family status caused by:
    • Change in number of dependents
    • Change in legal marital status
    • An unpaid leave of absence by you or your spouse

If you need to change your healthcare or dependent care election, you must have experienced an IRS Qualified Life Event. Qualified Life Events include certain changes in family or work status. Please contact your employer for more information.

Examples of Qualified Life Event Changes include:

  • Marriage
  • Divorce
  • Birth or adoption of child
  • Death
  • Change in employment status for you, your spouse or tax dependent
  • Change in dependent care provider
  • Increase or decrease in dependent care provider charges 

Please refer to your Summary Plan Description for more details.