灵活支出账户
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电子邮件: benefitsu@jfjd999.com
电话: 214-768-3311
由WEX管理
(866) 451-3399
WEX网站
灵活支出账户 enable you to pay for out-of-pocket health care or dependent daycare expenses with pre-tax payroll contributions. 金融服务机构免征联邦税, 社会保障税(FICA)和, 在大多数情况下, 州所得税. Your tax savings and the effect on your paycheck will depend on your personal situation (e.g., your household income, tax bracket, and the amount you contribute to the account).
记住, 如果你注册了$3,200 or $5,高免赔额健康计划(HDHP), you cannot contribute to the SMU Healthcare FSA. 也, the Internal Revenue Service has a "use-it-or-lose-it" rule for FSA accounts, which means you must use your contributions for expenses incurred during the year you make them.
您将收到一张借记卡. If you need additional cards for a spouse or an enrolled child (age 18 or older), 您可以在网上访问您的帐户 WEX. Instructions on how to order your debit card are 在这里. You will see references to fees for additional cards. As an SMU employee, you will not be charged for additional cards.
WEX has a mobile app w在这里 you can access your benefits on the go. Information about the app and its features can be found 在这里.
- Click on the tabs above to learn more about the 保健服务管理局 and 受扶养人护理服务
资源
医疗保健弹性支出帐户
由WEX管理
(866) 451-3399
WEX网站
The 保健服务管理局 allows you to set aside pre-tax dollars to pay for eligible health care expenses incurred by you, 你的配偶, 以及你的合格家属.
指 医疗保健FSA合格费用 了解更多信息.
The maximum annual contribution to the 保健服务管理局 is $3,200 per calendar year. Be sure to visit the WEX网站 for important information on eligible expenses and how and when to use your WEX Debit Card.
Dependent Care 弹性支出帐户
发现福利管理
(866) 451-3399
发现收益网站
The Dependent Care 弹性支出帐户 enables you to pay for out-of-pocket, work-related dependent day-care costs with pre-tax dollars. 如果你结婚了, you can use the account if you and 你的配偶 both work or, 在某些情况下, 如果你的配偶是全日制学生. Single employees can also use the account.
符合条件的依赖 & 日托服务提供商
An eligible dependent is someone for whom you can claim expenses on Federal Income Tax Form 2441 "Credit for Child and Dependent Care Expenses.“儿童必须在13岁以下. Other dependents must be physically or mentally unable to care for themselves. Dependent Care arrangements which qualify include:
- 依赖(日)护理中心, provided that if care is provided by the facility for more than six individuals, the facility complies with applicable state and local laws
- An Educational Institution for pre-school children. For older children, only expenses for non-school care are eligible
- An "Individual" who provides care inside or outside your home. The "Individual" may not be a child of yours under age 19 or anyone you claim as a dependent for Federal tax purposes
You should make sure that the dependent care expenses for which you are currently paying qualify under our Plan. You will be provided with a debit card to pay for dependent care expenses.
贡献限制
The law places limits on the amount of money that can be paid to you in a calendar year from your Dependent Care 弹性支出帐户. Generally, your reimbursements may not exceed the lesser of:
- $5,000 (if you are married filing a joint return or you are head of a household) or $2,500 (if you are married filing separate returns)
- 你的应课税补偿
- Your spouse's actual or deemed earned income (a spouse who is a full time student or incapable of caring for himself/herself has a monthly earned income of $250 for one dependent or $500 for two or more dependents)
有资格申请受扶养人服务计划, it is not a requirement that both you and 你的配偶 are employed. 然而, reimbursements from your 受扶养人护理服务 cannot exceed the lower of your or 你的配偶s (if married) earned income.
In order to have the reimbursements made to you from this account be excludable from your income, you must provide a statement from the service provider including the name, address, 在大多数情况下, the taxpayer identification number of the service provider on your tax form for the year, as well as the amount of such expense as proof that the expense has been incurred. 除了, Federal tax laws permit a tax credit for certain dependent care expenses you may be paying for even if you are not a Participant in this Plan. You may save more money if you take advantage of this tax credit rather than using the Dependent Care 弹性支出帐户 under our Plan. Ask your tax adviser which is better for you.