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 FSA Frequently Asked Questions

 

  1. What is a FSA?
    A FSA is an IRS tax-favored program offered by employers that allow their employees to pay for eligible out-of-pocket healthcare and dependent care expenses with pre-tax dollars.  By using pre-tax dollars to pay for eligible healthcare and dependent care expenses, a FSA gives you an immediate discount on these expenses that equals the taxes you would otherwise pay on that money.
     

  2. Shelby County will offer a Healthcare spending account and a Dependent care spending account.  ADP is the FSA administrator for the County.

     

    The Healthcare Spending account can be used to pay for qualified medical expenses that are not covered by your County health insurance.  Examples of approved IRS expenses are deductibles, copays, prescription eyeglasses, vision exams, dental expenses and others.  Your entire elected annual contribution is immediately available upon your enrollment in the Healthcare FSA.

     

    The Dependent care FSA is used to pay for eligible dependent care expenses such as childcare for children under age 13 or children who are physically or mentally incapable of self-care and, in some cases, elder care so that you and your spouse can work, look for work, or attend school full-time. After you have incurred an eligible expense, you may be reimbursed up to your contribution balance at the time of the reimbursement request.

     
  3. When Do I Enroll for FSA?
    You must enroll for your FSA each year during open enrollment.  Changes to your FSA election amount can only be made during open enrollment or if you have a qualifying life event.   Enrollment forms are available on the County's Intranet or www.shelbycountytn.gov portals.
     
  4. What Amount Can I Contribute to My Healthcare FSA?

    The minimum amount you can contribute to your Healthcare FSA is $25.00 per pay period; the maximum contribution amount for the Healthcare FSA is $104.00 per pay period.  The amount you contribute depends on your individual situation.

     
  5. What Amount Can I Contribute to My Dependent Care FSA?
    The minimum amount you can contribute to your Dependent Care FSA is $50.00 per pay period; the maximum contribution for Dependent care FSA is $208.00 per pay period.  The amount you contribute depends on your individual situation.

     

  6. What is the "Use It or Lose It" Feature?

    The IRS requires that any money you deposit into your FSA spending account that is not claimed by the end of the plan year is forfeited.  Therefore, it is important that you estimate your expenses carefully.

     

  7. If I Have Out-of-Pocket Expenses Reimbursed From A Health Care FSA, Can I Use Those Expenses to Take An Itemized Deduction on My Tax Return?

    No.  You can have a Healthcare FSA and take an itemized deduction for medical expenses, but you cannot claim an itemized deduction on your federal income tax return and receive a reimbursement from your health care FSA for the same medical expense.  Please consult your tax advisor.

      

  8. Would I Save More by Taking a Credit on My Income Tax Instead of Contributing to a Dependent Care FSA?

    You can use both a dependent care FSA and claim the Child and Dependent Care Credit (CDCC) - you just can't claim the same expenses for both.  If you plan to use both, the IRS requires that you subtract the amount you have directed into a spending account from the expenses you use to calculate the CDCC.  Please consult your tax advisor.

     

  9. How Do I Access ADP's Websiter?

    On the web, you can view your account balance and contributions.  You may also view monthly statements, transaction history, claim status and download forms at www.flexdirect.adp.com.  You may also contact ADP's 24-hour automated phone system, Interactive Voice Response (IVR) by calling 1-800-654-6695--hours of operations (8am-8pm EST) for any questions regarding flexible spending accounts.    

     

  10. What Documentation of Expenses Do I Need to Keep?

    The IRS requires FSA participants to maintain complete documentation, including keeping copies of statements, invoices or bills for reimbursed expenses for a minimum of one (1) year.

     

     
  11. Does ADP Offier a Debit Card For FSA Expenses?

    YES.  Effective January 1, 2009, ADP will issue a Visa Debit Card to participants who enroll in the Medical FSA, only.  You will no longer have to pay out of pocket and wait for reimbursement of eligible medical expenses.  The card cannot be used for Dependent FSA expenses. Visit County's website for more information.

     

  12. How Do I File My Claim for Reimbursement?

    If you do not use the debit card, claim forms may be found online at Shelby County's Intranet or shelbycountytn.gov web sites or www.flexdirect.adp.com.  Claims may be mailed to:  ADP Claims Processing, P.O. Box 1853, Alpharetta, GA, 30023-1853 or faxed to  1-866-392-4090 (toll free).  In addition, you may contact ADP's 24-hour automated phone system, Interactive Voice Response (IVR) by calling 1-800-654-6695--hours of operations (8am-8pm EST) for any questions concerning claim reimbursements.  ADP will deposit your reimbursement into your bank account or send you a check.
 
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