Flexible Spending Accounts (FSA)

There are three different types of Flexible Spending Accounts (FSAs) available to you:

  • Health Care Reimbursement FSA
  • Dependent Care FSA
  • Limited Purpose FSA

You choose how much to put into each account up to the IRS limits and will lose any unused funds not claimed by the FSA deadline. Your pre-tax paycheck contributions are deducted equally throughout the year. Before you enroll, make sure to estimate all your possible expenses for the year.

On smartphones please view table in landscape.

Comparing the Tax-advantaged Accounts
Features Health Care FSA Limited Purpose FSA Dependent Care FSA
Eligible Expenses Eligible medical, dental and vision expenses Eligible dental and vision expenses only Daycare for children under 13 or in-home care for adult dependents
IRS Contribution Limit $3,200 $3,200 $5,000 ($2,500 each if married and filing taxes separately)
How is it funded? All money is deposited at the beginning of the year, giving you access and flexibility to use your FSA money at any time during the plan year. This account is not pre-funded. Contributions are deposited per paycheck and funds can only be taken out as they are available.
Do funds roll over? Leftover funds are forfeited Leftover funds are forfeited Leftover funds are forfeited

Grace Period

Mott MacDonald allows a 2 ½ month grace period (from January 1 until March 15) to incur claims for eligible FSA expenses. Expenses incurred during this grace period are deducted from the prior year’s FSA balance before the current year’s money is paid out. You have until April 15 to submit claims for reimbursement from your prior year’s balance.

Once the new plan year starts on January 1, all claims incurred during the grace period must be submitted by paper claim if you want to use funds from the prior plan year. The debit card can’t be used to pay for claims using the previous year’s funds. If the debit card is used it will automatically pull from the current year’s funds.

Flexible Savings Accounts (FSAs)
Benefit Resource, Inc. (BRi)
800-473-9595
www.benefitresource.com
Participant Login Information
Company Code: mmgroup
Member ID: Employee SSN (no dashes)
Password: Employee Home Zip Code
Submitting FSA claims
Submit claims via the BRiMobile App by following these steps:
  1. Log in to the participant website
  2. Under the FSA tab, select Submit an Online Claim and complete your claim
  3. Either upload the completed form to Benefit Resource, or print and fax or mail it to:
    Fax: 585-427-9320
    Mail: ATTN: Claims Department, Benefit Resource, Inc.
    245 Kenneth Drive
    Rochester, NY 14623-4277
Important Resources
To see a complete list of eligible expenses, visit www.fsafeds.com/support/eligibleexpenses.
Key Features of an FSA Through BRI
Dependent Care FAQ
Why Do I Need a Medical FSA
Why Do I Need a Dependent Care FSA
FSA Enrollment Informational Guide
Medical FSA Calculation Worksheet
Dependent Care FSA Calculation Worksheet
Employee Contributions
Key Benefits Contacts
Plan Documents & Notices