{"id":324,"date":"2024-06-05T17:12:01","date_gmt":"2024-06-05T17:12:01","guid":{"rendered":"https:\/\/mdlzbmr.com\/clifhourlybakery\/?page_id=324"},"modified":"2026-02-11T18:47:17","modified_gmt":"2026-02-11T18:47:17","slug":"fsa","status":"publish","type":"page","link":"https:\/\/mdlzbmr.com\/clifhourlybakery\/fsa\/","title":{"rendered":"Flexible Spending Accounts (FSAs)"},"content":{"rendered":"\n\n\t\t<h2>Flexible Spending Accounts (FSAs)<\/h2>\t\n<h2>\n\t\t\tAn FSA allows you to set aside before-tax dollars to help pay for eligible expenses in a given year\t<\/h2>\n\t<p>There are two FSAs available (serviced by Fidelity Investments\u00ae):<\/p>\n<ul>\n<li><strong>Health Care Flexible Spending Account (Health Care FSA)<\/strong><\/li>\n<li><strong>Dependent Day Care FSA<\/strong><\/li>\n<\/ul>\n\t<style>#sp-ea-349 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-349.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-349.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-349.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-349.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-349.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #ffffff;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1717611096\"><div id=\"sp-ea-349\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3490\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3490\" aria-controls=\"collapse3490\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Health Care FSA<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3490\" role=\"region\" aria-labelledby=\"ea-header-3490\"> <div class=\"ea-body\"><p>A Health Care FSA\u2014available only if you're\u00a0<strong>not<\/strong>\u00a0contributing to a Health Savings Account (HSA)\u2014allows you to reimburse yourself for eligible out-of-pocket health care expenses using before-tax dollars. For additional details about eligible expenses, see <a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-publication-502\" target=\"_blank\" rel=\"noopener\">IRS Publication 502<\/a>.<\/p><p>You can contribute if you:<\/p><ul><li>Enroll in the Classic PPO medical option.<\/li><li>Enroll in the HSA-Compatible option, but don\u2019t maintain an HSA.<\/li><li>Waive medical coverage (i.e., you decide not to enroll for medical coverage through MDLZ).<\/li><\/ul><p>You may elect up to $3,300 before-tax for 2026 (this is the contribution limit, even though the IRS\u2019s annual contribution limit for 2026 is $3,400).<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3491\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3491\" aria-controls=\"collapse3491\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Dependent Day Care FSA<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3491\" role=\"region\" aria-labelledby=\"ea-header-3491\"> <div class=\"ea-body\"><p>A Dependent Day Care FSA allows you to reimburse yourself for eligible dependent care expenses\u2014such as day care, after-school care, home care, and elder care\u2014using before-tax dollars. Generally, you can elect to contribute up to <strong>$7,500<\/strong> before-tax each year (or $3,750 if you\u2019re married and filing taxes separately). Contribution amounts may ultimately be limited based on the nondiscrimination testing results (if you\u2019re impacted, you\u2019ll be notified). For additional details about eligible expenses, see <a href=\"https:\/\/www.irs.gov\/publications\/p503\" target=\"_blank\" rel=\"noopener\">IRS Publication 503<\/a>.<\/p><p>If you request reimbursement from your Dependent Day Care FSA and you don\u2019t have sufficient funds in your account to cover the eligible expense, Fidelity pends your balance and makes reimbursements as you make additional contributions.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3492\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3492\" aria-controls=\"collapse3492\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Using your FSA<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3492\" role=\"region\" aria-labelledby=\"ea-header-3492\"> <div class=\"ea-body\"><p>Once you enroll and make your FSA contribution election on\u00a0<a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a>, Fidelity sends you additional information (including a debit card called the NetBenefits\u00ae Access Card). You can then use your card to pay for eligible expenses, or you can submit claims for eligible expenses via the\u00a0<a href=\"http:\/\/www.netbenefits.com\/mondelez\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NetBenefits website<\/a>.<\/p><p>The\u00a0<a href=\"http:\/\/www.netbenefits.com\/mondelez\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NetBenefits website<\/a>\u00a0is also where you go for account information throughout the year, including the status of any submitted claims.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-3493\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse3493\" aria-controls=\"collapse3493\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Contact info &amp; apps<\/a><\/h3><div class=\"sp-collapse spcollapse spcollapse\" id=\"collapse3493\" role=\"region\" aria-labelledby=\"ea-header-3493\"> <div class=\"ea-body\"><p><span class=\"green-text\"><strong>Fidelity<\/strong><\/span><\/p><ul><li><a href=\"https:\/\/nb.fidelity.com\/public\/nb\/mondelez\/home\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NetBenefits Website<\/a><\/li><li>Phone:\u00a0<a href=\"tel:18666124582\">1-866-612-4582<\/a>\u00a0|\u00a0<a href=\"tel:18332995089\">1-833-299-5089<\/a>\u00a0(FSA-specific) |\u00a0<a href=\"tel:18338117432\">1-833-811-7432<\/a> (Cardholder services)<\/li><li>Mobile App:\u00a0<a href=\"https:\/\/apps.apple.com\/us\/app\/fidelity-investments\/id348177453\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">APPLE APP STORE<\/a>\u00a0|\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fidelity.android\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">GOOGLE PLAY STORE<\/a><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-content\/uploads\/sites\/4\/2024\/06\/Black-Divider.svg\" alt=\"Black-Divider\" itemprop=\"image\" height=\"0\" width=\"0\" title=\"Black-Divider\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h3><strong>You forfeit unused amounts<\/strong><\/h3>\n<p>You forfeit any amount remaining in your FSA at the end of the coverage period. If you participate in an FSA, you have until March 31, 2027 to submit claims for 2026 eligible expenses.<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-content\/uploads\/sites\/4\/2024\/06\/FSA-ICON.png?_t=1717611060\" alt=\"FSA-ICON\" itemprop=\"image\" title=\"FSA-ICON\" onerror=\"this.style.display='none'\" loading='lazy' \/>\n\t<h2>Looking for more details?<\/h2>\n<p>You can access more detailed information about the FSAs, including an overview of eligible expenses for each, in the applicable Summary Plan Description (SPD) posted under the <em>Reference Center<\/em> on <strong><a href=\"https:\/\/mondelez.ehr.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">MyBenefits Online<\/a><\/strong>. Or visit the <a href=\"https:\/\/nb.fidelity.com\/public\/nb\/mondelez\/home\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">NetBenefits website<\/a>.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<div class=\"entry-summary\">\n<div class=\"entry-summary\">\nFlexible Spending Accounts (FSAs) An FSA allows you to set aside before-tax&hellip;\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/fsa\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Flexible Spending Accounts (FSAs)&rdquo;<\/span>&hellip;<\/a><\/div>\n<\/div>\n<div class=\"link-more\"><a href=\"https:\/\/mdlzbmr.com\/clifhourlybakery\/fsa\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &ldquo;Flexible Spending Accounts (FSAs)&rdquo;<\/span>&hellip;<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template\/_fullwidth.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-324","page","type-page","status-publish","hentry","entry"],"acf":[],"_links":{"self":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/comments?post=324"}],"version-history":[{"count":15,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/324\/revisions"}],"predecessor-version":[{"id":2204,"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/pages\/324\/revisions\/2204"}],"wp:attachment":[{"href":"https:\/\/mdlzbmr.com\/clifhourlybakery\/wp-json\/wp\/v2\/media?parent=324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}