Flexible Spending Accounts (FSAs)

An FSA allows you to set aside before-tax dollars to help pay for eligible expenses in a given year

Depending on your union’s negotiated collective bargaining agreement (CBA), you may be eligible to participate in one or both FSAs (serviced by Fidelity Investments®):

Health Care Flexible Spending Account (Health Care FSA)
Dependent Day Care FSA

To confirm your eligibility for the Health Care FSA and/or Dependent Day Care FSA, log in to your MyBenefits Online account.

To maintain an FSA, you must make an election when you’re first eligible for the remainder of that year, or during each Annual Enrollment for the following year. You can’t change your annual election mid-year, unless you experience a qualified life event that would allow for a mid-year change.

HEALTH CARE FSA

DEPENDENT CARE FSA

A Dependent Day Care FSA allows you to reimburse yourself for eligible dependent care expenses—such as day care, after-school care, home care, and elder care—using before-tax dollars. If your union's negotiated CBA allows you to participate, you can generally elect to contribute up to $7,500 before-tax each year (or $3,750 if you're married and filing taxes separately). Contribution amounts may ultimately be limited based on the nondiscrimination testing results (if you’re impacted, you’ll be notified). For additional details about eligible expenses, see IRS Publication 503.

If you request reimbursement from your Dependent Day Care FSA and you don’t have sufficient funds in your account to cover the eligible expense, Fidelity pends your balance and makes reimbursements as you make additional contributions.

USING YOUR FSA

Once you enroll and make your FSA contribution election on MyBenefits Online, Fidelity sends you additional information (including a debit card called the NetBenefits® Access Card). You can then use your card to pay for eligible expenses, or you can submit claims for eligible expenses via the NetBenefits website.

The NetBenefits website is also where you go for account information throughout the year, including the status of any submitted claims.

CONTACT INFO & APPS

You forfeit unused amounts

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.

Looking for more details?

If your union’s negotiated CBA allows you to participate in the Health Care FSA and/or Dependent Day Care FSA, access more detailed information (including an overview of eligible expenses for each) in the Summary Plan Description (SPD). Your SPD is posted in the Reference Center on your MyBenefits Online account. Or visit the NetBenefits website.